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HomeMy WebLinkAbout13-7415 i Supreme Court:of Pennsv lvania WWR# 30196747 C A Pit SJS b., Court6f Commonfleas J v/ �w N >\ For Prothotan• Use Onh•: Civil�Cover,-Sheet C UMBERLAND C ounty Docket No: i 17re information collected on this forn7 is used solely: for court adminish'ation purposes. This form does not supplement or replace the filing acrd service ofpleadings or other papers as required b.y laiv or rules of court. Commencement of Action: S Qf Complaint ❑ Writ of Summons ❑ Petition E Transfer from Another Jurisdiction E3 Declaration of Takin C DISCOVER BANK Lead Plaintiff's Name: Lead Defendant's Name: T AMANDA D BEAHM I 0 Are money damages requested? @ Yes ❑ No Dollar Amount Requested: ® within arbitration limits N (check one) ❑ outside arbitration limits Is this a Class Action Suit? ❑ Yes fR No Is this an MDJ Appeal? ❑ Yes 53 No A Name of Plaintiff /Appellant's Attorney: William T. Molczan,47437 ❑ Check here if you have no attorney (are a Self- Represented [Pro Se] Litigant) Nature of the Case Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) CONTRACT (do not include Judgments) CIVIL APPEALS ❑ Intentional ❑ Buyer Protection Administrative Agencies ❑ Malicious Prosecution 0 Debt Collection: Credit Card ❑ Board of Assessment ❑ Motor Vehicle ❑ Debt Collection: Other ❑ Board of Elections ❑ Nuisance ❑ Dept. of Transportation S ❑ Premises Liability ❑ Statutory Appeal: Other B [3 Product Liability (does not include 13 Employment Dispute Mass tort) Discrimination C ❑ Slander/Libel /Defamation ❑ Employment Dispute: Other ❑ Zoning Board T ❑ Other: ❑ Other: I ❑ Other: O N MASS TORT ❑ Asbestos B ❑ Tobacco REAL PROPERTY MISCELLANEOUS • Toxic Tort - DES ❑ Ejectment ❑ Common Law /Statutory Arbitration • Toxic Tort — Implant ❑ Eminent Domain /Condemnation ❑ Declaratory Judgment ❑ Toxic Waste ❑ Ground Rent ❑ Mandamus ❑ Other: ❑ Landlord/Tenant Dispute ❑ Non - Domestic Relations ❑ Mortgage Foreclosure: Residential Retraining Order ❑ Mortgage Foreclosure: Commercial ❑ Quo Waranto ❑ Partition ❑ Replevin PROFESSIONAL LIABILITY ❑ Quiet Title ❑ Other: ❑ Dental ❑ Other: ❑ Legal ❑ Medical ❑ Other Professional: Updated 1/1/2011 OF T P'O HONO 1AC1 2013 DEC 16 PM 3: 07 CUMBERLA140 COUN PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK (,/l Plaintiff No: , 3 -� ` r v, VS. COMPLAINT IN CIVIL ACTION AMANDA D BEAHM Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412 - 338 -7130 30196747 C A Pit SJS V Io .7 �� aaaLl �3 t IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No AMANDA D BEAHM Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant's account, which is the subject of this litigation. 4. Defendant is.'an residing at 19 ANNETTE DR ENOLA PA 17025 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX3208. 6. Defendant made use of said credit card and has a current balance due of $11122.69. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, AMANDA D BEAHM, INDIVIDUALLY, in the amount of $11122.69 and costs. /' - William T. Molczan,,4q437 WELTMAN, WEINBERG EIS CO., L.P.A. 436 7th Ave Ste 140 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 3019674-7 C A -Pit SJS DISC VER Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013- Close Date: Jun 3, 2013 Cardmember Since 2007 Page 1 of 4 A CCOUNT SUMMARY P AYMENT INFORMATION Previous Balance — $10,918.69 New Balance $11,122.69 Payments and Credits $0.00 Minimum Payment Due $1,712.00 Purchases $0.00 Payment Due Date July 1, 2013 Balance Transfers + $0.00 ' Includes past due amount of: $1488.00 Cash Advances + $0.00 I Fees Charged + 535.00 Late Payment Warning: If we do not receive your minimum payment by the ' Interest Charged + $169.00 +, i date listed above, you may have to pay a late fee of up to $35.00 and your New Balance $11,122.69 purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. See Interest Charge Calculation section following the I Minimum Payment Warning: If you make only the minimum payment each Transactions section for detailed APR information period, you will pay more in interest and if will take you longer to pay off your Credit Line $10,000 1 balance. For example: Credit Line Available $0 YiaQwi1I0aygR1'ht Aod yap, Will oid up. j trs+n9 dtisc" and eodi inoriflf balorrco thci*q ors tttit paying srr eslimvlet€ WbI Cash Advance Credit Line $2,000 You stafemenf in abpuf;., f�f..•, j ?! >. Cash Advance Credit Line Available SO 1 Only the minimum payment 38 years $52,434 You may be able to avoid interest on Purchases. If you would like information about credit counseling services, call 1-800-347-112 1 . t See reverse for details. '• ..................... - ............ ........................................ ,.............. .............. ............................... ...................................... ................................... ........................... .................................. ,.......................... t ........................._.................................... ................. .................................................................... ......................._... ....................... ..... ._; _ ........................................................................................................................................................ ............................... REWARDS Contact Discover.com - ........................................................................................................................................................ ............................... ................... Moni . h .......... Cashback Bonus® A u g ust Au 1- 800 -347 -2683 s Opening Balance S 0.00 Please make check payable to Discover. You are overlimit. New Cashback Bonus This Period + $ 0.00 Pay the sum of the Minimum Payment Due plus the remaining Redeemed This Period — S 0.00 ....._.._.......__ .............._............._.._........ ......_....................._.. ....._................_........ .................-- _._......... overlimit amount of $1122.69. Cashback Bonus Balance $ 0.00 i To learn more log in at Discover.com Poke Check payable to Discover NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Please fold on the perforation below, detach and return with your payment ........ .................. ....... .............................................. ..., Poytrienl Coupon, < Pay On line. Play l)y Phone_ Ac count number ending in ccou t u ber e 3208 Moser do not fold, .0ip or staple:, bisco". motrt' � 1 $da347 2683 Minimum Payment Due $1,712.00 , li t; ilil I I I III ;I{Ilil I iii I Ili l New Balance 511,122.69 .. . . . . . . . . . . . . . . . .. .. . . . . . . . . . . Payment Due Date July 1, 2013 I AMANDAD BEAHM . .. ................................................................. ... .......... .............................. I ..... ............................... 19 ANNETTE DR Amount enclosed 5 ENOLA PA 17025 -1802 PO BOX 71084 CHARLOTTE NC 28272 -1084 301 96747d Internet payments must be received by 5 PM ET to be credited as of the someday llHl1 !Ill Address, e-mail or telephone changed? Note changes on reverse side 000001986458 ?03127510111226900041520171200 EXHIBIT 'AMANDA�D BEAHM Account number ending in 3208 Open Dote: May 4, 2013 - Close Date: Jun 3, 2013 Page 2 of 4 Y .................. ...... .. .... .......................... Important Information You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. See your Cardmember Agreement. Your Card member Agreement contains all the terms of your Account. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed Lost or stolen cards. Report immediotelyl Coll 1- 800 - 347 -2683. dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar What To Do If You Think You Find A Mistake On Your Statement amount" payment is not enough to cover the Minimum Payment Due as listed If you think there is on error on your statement, write to us at: Discover, PO on your monthly billing statement, your scheduled payment for that month Box 30421, Salt Lake City, UT 84130 -0421. You must write to us within 60 will be increased to cover the Minimum Payment Due. If the scheduled days after the error oppeared on your statement. You may call us, but if you payment is greater than the Minimum Payment Due, any excess will be do we are not required to investigate any potential errors, and you may have applied in accordance with your Cordmember Agreement. If your scheduled to pay the amount in question. The Billing Rights Notice further explains your payment is greater than the New Balance on your billing statement, that rights. Please see your Cardmember Agreement or visit payment will be processed only for the amount of your New Balance. Your hiips : / /discover.com /billingrights for a copy of this notice. automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Date. Payments. You may pay all or part of your Account balance at any time. If you enroll by phone in our automatic payment service, please fill -in the However, you must pay at least the Minimum Payment Due by the Pa ment followin blanks below and retain the authorization for our records. Due Date. Send only your payment and the bottom portion of this statement 9 Y in the envelopa provided. Do not send cash. If you pay by heck, yo authorizgg us io use information on your check to make pn electronc tend Amount: Full Pay [] Min Pay Min Pay+ S transfer trom your account at the financial institution indicated on your check I "' Other Amounl5 Bank Routi #: or to process th an oun g e payment as a check transaction, If a payment is processed os on electronic fund tr, nsfer, the transfer will be for the amount of the Bank Account # check. When we use in♦ from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some Monthly on the Payment Due Daie )Close Date doy we rece ve your payment, and you will not receive your check bock from your f nancial institution. Day of month ( insert date) The processing of your payment may be delayed if you send cash, Credit Reporting. We may report information about your Account to credit correspondence or other items with your payment, if you send the payment to bureaus. Late payments, missed payments, or other defaults on your Account any other address or if you use an envelope other than the one provided. may be reflected in your credit report. We normally report the status and Payments received in proper form at our processing facility by 5PM local time payment history of your Account to credit reporting agencies each month. If on any day will be credited to your Account as of that day. Payments received you believe that our report is inaccurate or incomplete, please write us at the at our processing facility after 5PM local time will be credited to your Account following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. as of the next day. If you have misplaced your envelope, send your payment Please include your name, address, home telephone number and Account to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 number. days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be Paying Interest. Your due date is at least 25 days offer the close of each credited as of the day of receipt if made by 5 PM Eastern time. billing period (at least 23 days for billing periods that begin in February). We You can pay your monthly Minimum Payment Due, or a greater amount that will not charge you any interest on Purchases if you pay your entire balance does not exceed your current Account balance, over the telephone or you can by the due date each month. We will begin charging interest on Cash setup automatic payments through a customer service representative by Advances and Balance Transfers as of the later of the Transaction Date or the calling 1- 800 - 347 -2683. Automatic payments for the billing period shown first day of the billing period in which the transaction posted to your Account. on your statement will be deducted on the Payment Due Date shown on that How We Calculate Interest Charges. We Use the Daily Balance Method statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 1 S day of the month) (including current transactions) to calculate the Balance Subject to Interest that occurs before your Payment Due Date or Close Date. If your scheduled Rate. For more information, please call us at 1- 800 -347 -2683. payment date falls on a weekend or bank holiday, your payment will be Balance Subject to Interest Rate. Your statement shows a Balance Subject processed the business day prior to the weekend or bank holiday. In order to to Interest Rate. It shows this for each transaction category. The Balance schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) Subject to Interest Rate is the average of the daily balances during the billing digits of the social security number of the primary borrower. By providing period . those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you Credit Balances. If your Account has a credit balance, the amount is shown authorize, in the amount selected by you, from your bank account. You also on the front of your billing statement. A credit balance is money that is owed authorize us to initiate debit or credit entries to your bank account, as to you. You may make charges against this amount if your Account is open. applicable, to correct an error in the processing of such payment. You con We will send you a refund of any remaining balance of 51.00 or more after cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at 6 months, or as otherwise required by applicable law, or upon request made Discover, PO Box 30421, Solt Lake City, UT 84130 -0421; however, we must to the address in the Contact Us section on page 3 of your billing statement. receive notice at least three business days in advance of the scheduled Discover may monitor andlor record telephone calls between you and payment. If your payments may vary in amount, we will tell you on each Discover representatives for quality assurance purposes. monthly billing statement when your payment will be made and how much it will be. The Discover® cord is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS ...........................................................................................-................................................................................................................................................................................................................................................................ ............................... If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. ....__ ........................... _._ ............. ........... ............._......._.._ .................... ,.._ ... ...._................ .......... . ............ __ ... ......._....... ... ,..... ........... ................ ,........ .............. ............... ...... .............................. , ........................... ,.............. .......................... Street Address Home Phone i ......................... ..................... .........................__ ...................................................................................................................................... t Work Phone . - - I City Email I ........ ....... ............. ................. .......... ..... i 38 bdj}47 _ .... l To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER' Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013 - Close Date: Jun 3, 2013 Page 3 of 4 CONTACT US 0 Acce Mobi l e Phone ® Inquiry 0 Mail Payments Web Access your � Ma your 1- 800 - DISCOVER Discover Discover i account securely account anytime, (1 -800- 347 -2683) PO Box 30943 PO Box 6103 i at Discover.com anywhere at TDD 1- 800 - 347 -7449 Salt Lake City Carol Stream m.Discover UT 84130 IL 60197 -6103 Transactions Tr Date Post Date Fees Jun 1 Jun 1 LATE FEE S 35.00 TO FEE FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES 5 169.00 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 169.00 .._.._.._.____.._..._ .__.___.._._...-- ._ ----- _ .... _ -- 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 S 210.00 TOTAL INTEREST CHARGED IN 2013 S 945.19 ............... ........................... ............................. _.._ .................................................................... ........................................................ ................ ................ .......................................................................................... ..................................................... ........... .... Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO TYPE OF BALANCE (APR) INTEREST RATE INTEREST CHARGE Purchases 01/23/2012 and after 22.24% V $5,767.88 $108.97 09/23/2011 to 01/22/2012 17.24% V $1,823.57 $26.68 09/22/2011 and prior 12.24% V $3,208.78 $33.35 Cash Advances 2399% V $0.00 $0.00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www.dscover.com /inierestcharges ..... _._ .......... ._.._...._.__.........._ .................... .........__ ..... ........_....__._ .............. _ ..... .........-.............................. ........................._ ........ ........_........... _._..._.....__.........__ .................... -.. .......... ............................_ ...................... ......_... ............ _.._.._... ....................... .---- .......... _ ...................................... - .......... ............._............. 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEAHM Accouni number endin in 3208 Open Dote: Ma 4, 2013 - Close Dote: Jun 3, 2013 Poge 4 of 4 ....... s3 . ........ Y ...... ......... ..... . . . 30196747 VERIFICATION ; � EPlArm A RAL� L msT ot� g!] Graf sbcc usr (Name) (Title) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unswom falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f /k/a Greenwood Trust Company, which is an FDIC - insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this. verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoingcomplaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date catLm�Y'l ��20�3_ a, (Signature) DB Servicing Corporation servicing affiliate For Discover Bank SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff „0, of iaraithe#" .. y, .,-, h Jody S Smith ,�i" :1 Chief Deputy Richard W Stewart `. sr% YY i� .a �,, Solicitor i ����� ������ t, � Discover Bank Case Number vs. Amanda D Beahm 2013-7415 SHERIFF'S RETURN OF SERVICE 12/26/2013 03:23 PM- Deputy Amanda Ebersole, being duly sworn according to law, served the requested Complaint& Notice by"personally" handing a true copy to a person representing themselves to be the Defendant, to wit:Amanda D Beahm at 19 Annette Drive, East Pennsboro, Enola, PA 17025. df11a1 o d Q o_ AMANDA EBERSOLE, DEPUTY SHERIFF COST: $44.95 SO ANSWERS, December 27, 2013 RON R ANDERSON, SHERIFF C pit, 0 1 f s,k,10j 2 1 JAS 31 4(11 11: 2 P NNSY�CQUfTY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA DISCOVER BANK Plaintiff v. DOCKET NO. 13-7415 AMANDA D. BEAHM Defendant ANSWER ON THIS 30th day of January, 2014 comes the Defendant, Amanda D. Beahm, by and through her attorneys, Lawrence V. Young, Esquire and CGA Law Firm, P.C., and files the within Answer averring that: 1. The identity of the Plaintiff is admitted. 2. The identity of DB Servicing Corporation is denied. At no time has the Defendant been made aware of DB Servicing Corporation. It is unclear if they are merely an agent or have purchased this contract or account such that they would have a financial interest in the recovery. 3. Denied as stated. The Defendant has no proof that DB Servicing Corporation has any relationship to the Plaintiff. 4. The identity of the Defendant is admitted. 5. Denied as stated. If the Defendant applied for and received a credit card, then the application was in writing and there exists a written contract which should be pled and would should be attached. Further, if there is an application, then the Defendant signed something, and the terms and conditions, as well as the signed application should be attached. {00795298/1) 6. Denied as stated. There is no proof that it was the Defendant who made use of this credit card. 7. Denied as stated. This presumes an obligation which is part of the contract which has not been properly alleged or pled in Paragraph 5. 8. Denied as stated. The Defendant has not willfully failed or refused to pay. The Debtor's financial circumstances render her unable to pay, and those circumstances were not arrived at willfully. WHEREFORE, it is requested that the relief requested, as stated, not be granted. Respectfully submitted, CGA LAW FIRM, P.C. By: ae--e-ttcA- Lawrence V. Young, Esq CGA Law Firm 135 N. George Street York, Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail: lyoung @cgalaw.corn Supreme Court I.D. No.: 21009 Counsel for Amanda D. Beahm (00795298/1) 2 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY PENNSYLVANIA DISCOVER BANK, Plaintiff, v. DOCKET NO. 13-7415 AMANDA D. BEAHM, Defendant. ATTORNEY VERIFICATION I, Lawrence V. Young, Esquire, counsel for the Defendant hereby affirm that the facts contained in the foregoing pleading are true and correct to the best of my knowledge. I further verify that I am making this verification on behalf of Defendant, Amanda D. Beahm, that the information contained in the pleading is within my scope of knowledge and that the statements made are true and correct to my knowledge, information and belief This statement is made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. CGA LAW FIRM Date: Lawrence V. Young, s ire PA 21009 Counsel for Amanda D. Beahm {00795310/1) . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK Plaintiff v. DOCKET NO. 13-7415 AMANDA D. BEAHM Defendant CERTIFICATE OF SERVICE I hereby certify that on this 30th day of January 2014, Defendant's Answer has been served via first-class mail, upon the following: Matthew Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 7`h Avenue, Ste. 1400 Pittsburg, PA 15219 By: Shane M. Rohrbaugh, Paralegal for Lawrence V. Young, Esq. (00795298/1} IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNT ' PENNSYLVANIA 01 6).01 f' 1 r-3 DISCOVER BANK, `P Q Plaintiff, -;2;„.ci v. DOCKET NO. 13-7415 AM ANDA D. BEAHM, Defendant. PRAECIPE TO SUBSTITUTE VERIFICATION TO THE PROTHONOTARY: Please substitute the attached Verification for the Attorney Verification filed of record to Defendant's Answer, which was filed on January 31, 2014. Respectfully submitted, CGA LAW FIRM, P.C. Date: °�kq/i By: P-tie...u4.e.x.x_ .(i Lawrence V. Young, Esqui CGA Law Firm 135 N. George Street York, Pennsylvania 17401 (717) 848-4900 (717) 843-9039 E-mail: lyoung@cgalaw.com Supreme Court I.D. No.: 21009 Counsel for Amanda D. Beahm (00795310/1) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, v. DOCKET NO. 13-7415 AMANDA D. BEAHM, Defendant. VERIFICATION I hereby affirm that the following facts are correct. The attached Answer is based upon information which has been furnished to counsel in the preparation of this document. The language of the Answer is that of counsel and not mine. I have read the Answer and to the extent that the same is based upon information which I have given to counsel, it is true and correct to the best of my knowledge, information and belief. To the extent that the content of the Answer is that of counsel, I have relied upon counsel in making this Verification. I hereby acknowledge that the averments of fact set forth in the aforesaid Answer are made subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsification to authorities. Dated: . - 1%-14 Clew 0 e ecS ,..- Amanda D. Beahm, Defendant (00795310/1) 4^ 4 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, v. DOCKET NO. 13-7415 AMANDA D. BEAHM, Defendant. CERTIFICATE OF--SERVICE I hereby certify that on this )..."/ day of l—°GhrEACAPr 2014, Defendant's Praecipe to Substitute Verification has been served via first-class mail, upon the following: Matthew Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 7th Avenue, Ste. 1400 Pittsburg, PA 15219 By: Shane M. Rohrbaugh, Paralegal for Lawrence V. Young, Esq. (00795310/1) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13 -7415 CIVIL vs. MOTION FOR SUMMARY JUDGMENT AMANDA D BEAHM, FILED ON BEHALF OF: Defendant. Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan, Esquire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30196747 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 13 -7415 CIVIL vs. AMANDA D BEAHM, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $11,122.69, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A ". 3. Defendant filed an Answer to Plaintiffs Complaint. A true and correct copy of the Answer is attached hereto as Exhibit `B" and made a part hereof. 4. On or around March 26, 2014, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments WWR# 30196747 and /or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since December 14, 2012; and that $11,122.695 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $11,122.69, and costs. Respectfully Submitted: By: 41 William T. Molczan, •.quire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30196747 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs. COMPLAINT IN CIVIL ACTION AMANDA D BEAHM Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: William T. Molczan,47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 7th Ave Ste 1400 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412 - 338 -7130 30196747 C A Pit SJS EXHIBIT IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Civil Action No COMPLAINT AND NOTICE TO DEFEND DISCOVER BANK Plaintiff vs. AMANDA D BEAHM Defendant You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249 -3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f /k /a Greenwood Trust Company, an FDIC - insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the account to the attorneys and /or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant's account, which is the subject of this litigation. 4. Defendant is an adult individual(s) residing at 19 ANNETTE DR ENOLA, PA 17025 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX3208. 6. Defendant made use of said credit card and has a current balance due of $11122.69. A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1 ". 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and /or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, AMANDA D BEAHM, INDIVIDUALLY, in the amount of $11122.69 and costs. William T. Moczan, 437 WELTMAN, WEINBERG EIS CO., L.P.A. 436 7th Ave Ste 140 Pittsburgh PA 15219 -1827 (412) 434 -7955 FAX: 412- 338 -7130 WWR# 30196747 C A Pit SJS DISC VER ACCOUNT SUMMARY Previous Balance 510,918.69 Payments and Credits - $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + 50.00 Fees Charged + S35.00 Interest Charged + $169.00 New Balance 511,122.69 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1- 800 - 347 -2683 $10,000 $0 52,000 S0 Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013- Close Dote: Jun 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date • Includes post due amount of: S11,122.69 $1,712.00 July 1, 2013 51488.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to poy off your balance. For example: lfyprt take tto t foettl es sail jg thlsccndand each rooeilr P1.11 *.., . ?al Vi4J pray offer bolorrce sliosm:�s �any #tits. alateMstetfe abouh.. 1.Artd yavvfill old to payingion.estirnatedlowl r9f..,. Only the minimum payment 38 years 552,434 If you would like information about credit counseling services, call 1- 800 -347 -1121. REWARDS Cashback Bonus Opening Balance New Coshbock Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of 51122.69. Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Anniversary Month August 5 0.00 + S 0.00 - 5 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Payment Coupon Pay Orn(ine Flew ria not fold, clip *r stof$e Diistovel com Piny* Phone 14100-34?-260 I I !r:l iili,1111H111111,1 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 III I I Illl ll ill 301 67e4Zd Internet payments must be received by 5PM ET to be credited as of the some day Address, e-mail or telephone changed? Note changes on reverse side 000001986458703127510111226900041520171200 Account number ending in Minimum Payment Due New Balance Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272 -1084 3208) $1,712.00 I 511,122.69 July 1, 2013 EXHIBIT i AMANDA D BEAHM Important Information See your Cardmember Agreement. Your Cardmember Agreement conioins all the terms of your Account. Lost or stolen cards. Report immediotelyl Call 1-800 -347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us ot: Discover, PO Box 30421, Salt Loke City, UT 84130 -0421. You must write to us within 60 Boys after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit hops : / /discover.com /billingrights for a copy of this notice. Payments. You may pay all or port of your Account balance. at on time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the bottom portion of this statement ttin the envelope prove ed, Do not send cash, If you pay by check, y outhorize us to use inormotion on your check to make an ele ronic fund tronster from your account at the financial institution indicated on your check or to process the payment os a check transaction. If a payment is processed os an electronic fund trp nster, ihQ transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account os soon as the some day we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cosh, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you hove misplaced your envelope, send your poyment lo Discover, PO Box 6103, Cord Stream, IL 60197.6103. Please allow 7.10 doys for delivery, If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Poyments mode online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or o greater amount thot does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dale (e.g., the 15"' day of the month) that occurs before your Payment Due Date or Close Dote. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you outhorize, in the amount selected by you, from your bonk account. You also authorize us to initiate debit or credit entries to your bonk account, as applicable, to correct on error in the processing of such payment. You can cancel o scheduled payment by phone at 1 -800- 347 -2683 or by mail at Discover, PO Box 30421, Solt Loke City, UT 84130 -0421; however, we must receive notice at leost three business days in odvonce of the scheduled payment. If your payments may vary in amount, we will tell you on eoch monthly billing statement when your payment will be mode and how much it will be. Account number ending in 3208 CHANGE OF ADDRESS teen Dote: Moy 4, 2013 • Close Dole: Jun 3, 2013 Poee 2 of 4 You must ensure that sufficient funds are avoilable in your bank account, and all Iransodions must comply with U.S. low. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled 'Other dollor amount° payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increosed to cover the Minimum Payment Due. If the scheduled poyment is greater than the Minimum Poyrnent Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing stotement bosed on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, pleose fill -in the following blanks below and retain the authorization for your records. Amount: L Full Pay a Min Pay _Min Pay+ S i Other ArnountS ; Bonk Routing #: Bank Account 4f Monthly on the !_ Payment Due Dote l...i Close Date Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed poyments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inoccurote or incomplete, pleose write us of the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316, Please indude your name, oddress, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date eoch month. We will begin charging interest on Cash Advances and Bcicnce Transfers as of the toter of the Transaction Dale or the first day of the billing period in which the transodion posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current tronsadions) to calculate the Balonce Subject to Interest Rote. For more information, please call us at 1 -800- 347.2683. Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rote. It shows This for each transaction category. The Bolonce Subject to Interest Rote is the average of the daily balances during the billing period. Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you o refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Contod Us section on page 3 of your billing statement, Discover may monitor and /or record telephone calls between you and Discover representatives for quolity assurance purposes. The Discover® cord is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Mobile Access your Monage your account securely account anytime, al Discover.com anywhere at m. Discover.com Transactions Trans. Dade Post Date Phone 1 -800- DISCOVER (1- 800 - 347 -2683) TDD 1-800-347-7449 Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013 - Close Dote: Jun 3, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Solt Lake City Corot Stream UT 84130 IL 60197-6103 Fees Interest Charged Jun 1 2013 Totals Year -to -Date Jun 1 LATE FEE TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your occount. Current Billing Period: 31 clays TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 22.24% V 17.24% V 12.24% V 23.99% V $5,767.88 $1,823.57 $3,208.78 $0.00 $ S $ 35.00 35.00 169.00 0.00 0.00 169.00 210.00 945.19 INTEREST CHARGE 5108.97 526.68 $33.35 50.00 V= Variable Role Information For You For more information about how interest charges are calculated see your Cordmember Agreement or go to www .discover.com /interestcharges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEAHM Account number ending in 3208 30196747 Open Dote: Mor 4, 2013 - Close Dote: Jun 3, 2013 Page .4 of 4 SiEPNFt4 A fiALL (Name) VERIFICATION 1-1-19rin01.l gu?ix. r SpEc■losLiS (Title) of DB Servicing Corporation, servicing affiliate of Discover Bank does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unsworn falsifications to authorities states, that he /she is a duly authorized representative of plaintiff herein. Additionally, he /she verifies that Discover Bank, f/k/a Greenwood Trust Company, which is an FDIC - insured Delaware state bank, lacks sufficient knowledge or information to verify this complaint. He /she verifies that he /she is authorized to make this verification. As an employee of DB Servicing Corporation, he /she has sufficient knowledge and information to make this verification, and consequently verifies that the facts set forth in the foregoing complaint are true and correct to the best of his/her knowledge and information and that he /she is personally familiar with the account and the relationship between Discover Bank and DB Servicing Corporation. It is further stated that Discover Bank and DB Servicing Corporation extend credit through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank, including business management services in support of Discover Bank business lines, including, among other things, credit cards, deposits, personal loans and student loans, customer service, collections, credit risk, collection of delinquent accounts and other support services. The collection of delinquent accounts includes the right to forward the same to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. Date 2C21Y1\( 3, 2(212 (Signature) DB Servicing Corporation servicing affiliate For Discover Bank IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY. PENNSYLVANIA DISCOVER BANK v. Plaintiff AMANDA D. BEAHM Defendant DOCKET NO. 13 -7415 ANSWER ON THIS 30th day of January, 2014 comes the Defendant, Amanda D. Beahm, by and through her attorneys, Lawrence V. Young, Esquire and CGA Law Firm, P.C., and files the within Answer averring that: 1. The identity of the Plaintiff is admitted. 2. The identity of DB Servicing Corporation is denied. At no time has the Defendant been made aware of DB Servicing Corporation. It is unclear if they are merely an agent or have purchased this contract or account such that they would have a financial interest in the recovery. 3. Denied as stated. The Defendant has no proof that DB Servicing Corporation has any relationship to the Plaintiff. 4. The identity of the Defendant is admitted. 5. Denied as stated. If the Defendant applied for and received a credit card, then the application was in writing and there exists a written contract which should be pled and would should be attached. Further, if there is an application, then the Defendant signed something, and the terms and conditions, as well as the signed application should be attached. (00795298/1) EXHIBIT 6. Denied as stated. There is no proof that it was the Defendant who made use of this credit card. 7. Denied as stated. This presumes an obligation which is part of the contract which has not been properly alleged or pled in Paragraph 5. 8. Denied as stated. The Defendant has not willfully failed or refused to pay. The Debtor's financial circumstances render her unable to pay, and those circumstances were not arrived at willfully. WHEREFORE, it is requested that the relief requested, as stated, not be granted. {00795298/1} 2 Respectfully submitted, CGA LAW FIRM, P.C. By: ae-e--0-a4. 1/- Lawrence V. Young, Esq CGA Law Firm 135 N. George Street York, Pennsylvania 17401 (717) 848 -4900 (717) 843 -9039 E -mail: lyoung@cgalaw.com Supreme Court I.D. No.: 21009 Counsel for Amanda D. Beahm IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK, Plaintiff, v. AMANDA D. BEAHM, Defendant. DOCKET NO. 13-7415 ATTORNEY VERIFICATION I, Lawrence V. Young, Esquire, counsel for the Defendant hereby affirm that the facts contained in the foregoing pleading are true and correct to the best of my knowledge. I further verify that I am making this verification on behalf of Defendant, Amanda D. Beahm, that the information contained in the pleading is within my scope of knowledge and that the statements made are true and correct to my knowledge, information and belief. This statement is made subject to the penalties of 18 Pa. C.S. §4904 relating to unsworn falsification to authorities. Date: /1-3CY [00795310/1) CGA LAW FIRM Lawrence V. Young, re PA 21009 Counsel for Amanda D. Beahm IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA DISCOVER BANK v. Plaintiff AMANDA D. BEAHM Defendant DOCKET NO. 13 -7415 CERTIFICATE OF SERVICE I hereby certify that on this 30th day of January 2014, Defendant's Answer has been served via first -class mail, upon the following: Matthew Urban, Esq. Weltman, Weinberg & Reis Co., L.P.A. 436 7th Avenue, Ste. 1400 Pittsburg, PA 15219 By: (00795298/1) Shane M. Rohrbaugh, Paralegal for Lawrence V. Young, Esq. IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, v. AMANDA D BEAHM, Defendant. NO.: 13 -7415 CIVIL PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT Ci 1 1 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity ", "identify ", "identification ", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity ", "identify" "identification ", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify ", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act "), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identify all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and /or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Attached as Exhibit "1 ", Defendant applied for the credit card referenced in the Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3 The purchases and /or balance transfers and /or cash advances listed on the monthly statements, dated October 3, 2007 through June 3, 2013, attached hereto as Exhibit "2 ", are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 4: The payments and /or credits listed within the monthly statements attached hereto as Exhibit "2" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: Defendant has made no payment on the credit card since December 14, 2012. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. 1 REQUEST FOR ADMISSION NO. 7: The interest rates listed within the monthly statements attached hereto as Exhibit "2" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request, REQUEST FOR ADMISSION NO. 8: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: $11,122.69 is a correct and accurate current balance of the credit card account in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. William T. Mo(czan, quire Pa. I.D. #47437 Weltman, Weinberg & Reis Co., L.P.A. MOO Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434 -7955 WWR:30196747 DEFENDANT'S VERIFICATION 1, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and Request for Admissions has been served by U.S. Mail, on the 2-0 day of matON, , 20I4, upon the following: Attorney Lawrence V. Young 135 North George Street York, PA 17401 By: " lii,tC, I 1 FOCUS SESSION 2 - LINDSEY CHRISTENSEN - Thu Feb 13 11:28:14 MST 2014 ( naxp338 .na.discoverf"inancial.com) Page 1 of 4 Navigation Links Id: 072371249522100 0- I4, �• � fl .Id � L'i 1 J Find [F1)]I WORK STATE: I01 INACTIVE Status: Iplater 1 Cmpgn: Time On App: SEC A.plkatlon Summary Name and Address Account Info Review Rules 1 App Type: INDIVIDUAL Al Name; AMANDA 0 BEAHM Ssn: „•im Day: 2365 Deb: 11 / 17 / 1978 5:ctd: PE DISCOVER MOTIVA Mmn: Approved: PE DISCOVER MOTIVA U5 Citizen Amount: $6,000,00 Email: ADBEAHMI @YAH00.COM H: (717) 728 - 1171 Aeq Meth: DIRECT MAIL B; (717) 720 • 2547 Status: HOOKED Adds: 25 CREEKSIDE OR 0: () - Hold Date: 08/29/2007 ENOLA, PA 17025 - 2916 PS. $3,200.00 Hen. HISTORY APPLICATION BUREAU SUMMARY ALTERNATIVE OFFER ACTIVITY CODE Top fAlt -G1 Primary tAlt -Pi Employer [Alt -El Income fAlt -11 Student fAlt-51 Product IAIt -Q1 Misc fAlt -Al [Code: 009578, Text: RATE STRUCTURE NOT FOUND, Field: 0] Location CREDIT CRD Image ID I Mack ff I Application Loan Type: INDIVIDUAL Product: DISC Receive / / Date: No Rewards Card Type: 000001 Source 1 Campaign Card Line Group: RV Card Option:13 Special Handling Manual Fraud Acct #: 6011 - 0026.0925 -3208 copy to clipboard Prerilled: Merchant Id: Primary Applicant Name Title First I Email Middle last eSign: No Yes Suffix Number - Street Type Direction Apt # RR 0 PO Box Mditary Branch http:// focus2.na.discoverfinanciaf.com /focus /viewFul1 Application.do 2/13/2014 FOCUS SESSION 2 - LINDSEY CHRISTENSEN - Thu Feb 13 1.1:28 :14 MST 2014 ( naxp338 •na•discoverfinancial.com) Page 2 of 4 Current Address � f Oty TimeQAddress nyr mo I I I State Zip Country PA • F___ USA Residence Type Monthly Hsng SI OWN Number Street Type Direction Apt # RR # PO fax Military Branch Perm/ I I 1 r---- 1 I Physical Address s City State Zip Country Addre I PA - USA Show Primary Previous Address Home #[---- -[ -r— SSNF.---- -f -1--- Bus # h -;1-- - I DOB / I— / I -- Y US Citizen N Name Changed Other #1r- - - Age I yr 1-mo Permanent Res N Spousal Sale Other #2n - - I- MMN 1 us visa Expired Campaign Other #31- -I- - I- Dependents l-- Employer Occupation Employer Address I City I State /Zip ... Income Length of Employment yr 1 MO Contact Employee Id: I -- Employment Status; ... Education Level: PrlOcc; OFFC Income $ 1 ArtNUALLY E. Other income Reminder Inferred: $ 0 hilt): //focus 2.na.d isco v er inancial.com /focus /viewFullApplication:do 2/13/2014 FOCUS SESSION 2 - LINDSEY CHRISTENSEN - Thu Feb 13 11:28:14 MST 2014 ( naxp338 ,na.discoverfinancial,com) Page 3 of 4 only ACLU TABLIE sources can be entered in Other Income field such as Alimony, Child Support, Investment Income, and Rental Income. Income from Spouse /Oomestic Partner can ONLY be Included for WI /AZ/CN[DILA/NV /NMJTX/WA residents. How will you manage your balance? Other $ I NOT GIVEN Source Income Checking YES CHECKING ACCT EXISTS Savings YES SAVINGS ACCT EXISTS Add -On Product Authorized Buyer Language Channel Enroll Status Delete ? First Name: MI; Last Name Suffix; Relationship: I Balance Transfer $ I Referral Indicator ... Referred By I Student Information Ref Tracking Student Non - Student Yr in School ... Name Name Sdtooi I Reference I Address Une 1 Address Une 1 City City State Zip State Zip Relationship Phane htip:/l focus2.na.discoverfinancial.com /focus /vi ewFutlAppl ication.do 2/13(2014 FOCUS SESSION 2 - LINDSEY CHRISTENSEN - Thu Feb 13 11 :28:14 MST 2014 ( naxp338 ,na,discoverfi.nancial.com) Page 4 of 4 ACT Code 7—Graduation Date mo 7— yr Major! Degree' Student IDI Product Requested Product DISC Amount $ Purpose I Miscellaneous Information Tenn 0 Rate Variable 1 Payment $ Balance $ Base Rate 1 MONTHLY Source IP Priority Driver's ( License External Cycle Code I Product ID Offer Embossing I Approved Option Code PLS as I Sale l OFAC Test 000 - NON•7EST ACCT ( State Relative Name I Relative Addr Line 1 I City State/Zip [ - Relationship Phone - - DLP Routing Code NP Routing Code ht1p:// focus2. na. discoverfinancial. com /focus/viewFu11Application.do 2/13/2014 DISC VER New Balance Minimum Payment Due S3,256.50 $65,00 Payment Due Dole October 31, 2007 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offer. Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or poy online itit Discovarcard com PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510032565000000000006500 Discover Motiva Card Account Summary Closing Date: October 3, 2007 Account number ending in 3208 Previous Balance Payment Due Dale October 31, 2007 Payments And Credits Minimum Payment Due $65 00 Purchases Credit Limit $6,000 00 Cash Advances Credit Available $2,743 00 Balance Transfers Cash Credit Limit $1,500 00 Finance Charges Cash Credd Available $1,500 00 New Balance page I of 2 $0 00 50 00 + 0 00 + 0 00 + 3,200 00 + 106 50 $3,256 50 You may be able to avoid Periodic F'nonce Charges, see the reverse side for details Cashback Bonus' Coshback Bonuse Anniversary Month August It's easy to get o Full month of Interest back Simply make 6 or -time payments in a row and get the next month's interest as a Pay-On -Time Bonus(SM) Opening Cashback Bonus Balance $ 0 00 New Cashbook Bonus This Period ± 0.00 Cashback Bonus Balance $ 0.00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impairedl see reverse side 1 Visit Discaver.cam to pay your bill for no cost, view our latest Account rnformohon, earn and redeem rewards and more 2 Coll 1.800- DISCOVER 1347.26831 for fast, easy self- service options or to speak with a Customer Service Account Manager 3 Write us of Discover Card, PO Box 30943, Salt lake Cily, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Sep 22 Sep 22 INTERNET PAYMENT - THANK YOU $ -50 00 Balance Transfers Sep 3 Sep 4 CAPITAL ONE XXXX)0XXXXXX3436PE NC 2,000 00 Sep 3 Sep 4 BA€ TRANS TRANSACTION FEE FINANCE CHARGE 60 00 APR 3 90% EXPIRES 01 /2010 Sep 3 Sep 4 CAPITAL ONE XXXXXXXXXXXX1855PE NC 1,200 00 Sep 3 Sep 4 BAL TRANS TRANSACTION FEE FINANCE CHARGE 36 00 APR 3 90% EXPIRES 01/2010 30196747 Web you could sod These purchases by amount, description or category? You con - register at Discovercard cam to view your purchases online as for back as 12 months Learn more at Discovercard com /purchases DISC VER It pays ro DISC VER' AMANDA D BEAHM Account number ending in 3208 Closing Date: October 3, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Dar1y ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rales RATES RATES CHARGES CHARGES current billing period 30 days Purchases $0 0 01068% 3 90% F 3 90% $0 $0 Cosh Advances $0 0 05751% 20 99% F 2D 99% $0 $0 Balance Transfers $3281 09 0 01068% 3 90% F 38 94% $10 50 $9600 previous billing period 8 days Peatkle96.M7 $0 0 01068% 3 90% F 3 90% $0 none Tile roles that apply to your Account are either fixed (F) or they may vary IV) as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER ( 1- 800- 347 - 2683). DISC VER New Balance $3,204.21 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due. S64.00 Payment Due Dale November 30, 2007 Address, e-mail or telephone change2 Print change in space above, or go to Discover corn Print your e•mait address to receive important Account information and special offer Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510032042100000000006400 Discover Motiva Card Account Summary Closing Date: November 3, 2007 Account number ending in 3208 Payment Due Dale November 30, 2007 Minimum Payment Due $64 00 Credit Limit $6,00000 Credit Available $2,795 00 Cash Credit Limit $1,500 00 Cosh Credit Available $1,500 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic Finance Choiges, see the reverse side for details page 1 of 2 $3,256 50 18000 116 99 + 0 00 + 0 00 + 10 72 $3,204 21 Cashback Bonus" Cashback Vonus0 Anniversary Month August Pay -On- Time 8onus(SM) Update 1 on •time payment was received Simply make 5 more an -lime payments in a -row la earn a Pay- On.Time Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 000 $ 0,29 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for heanng impaired) see reverse side 1 Visit Discover,com to pay your bill for no cosl, view your latest Account information, earn and redeem rewar s and more 2 Call 1.800- DISCOVER 1347-26831 for fast, easy self- service options or is speak with a Customer Service Account Manages 3 Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Ocl 6 Oct 6 INTERNET PAYMENT • THANK YOU Oct 25 Oct 25 INTERNET PAYMENT - THANK YOU Oct 30 Oct 30 INTERNET PAYMENT • THANK YOU OcI 23 Oct 23 TURKEY HILL #0095 069 HARRISBURG PA Oct 15 Oct 15 GIANT FOOD #263 ENOLA PA 010015 Gasoline Supermarkets 301 96747 -65 00 .65 00 •50 00 15 01 101 98 DISC VER It pays to DISC V£it AMANDA D SEAHM Account number ending in 3208 Closing Date: November 3, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENFFAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchased $71 67 0 01068% 3 90% F 3 90% $0 24 $0 Cash Advances $0 0 05751% 20 99% F 20 99 $0 $0 Balance Transfers $3171 76 0 01068% 3 90% F 3 90% $10 48 $0 previous bd6,ngpenod 30 days so l4% $0 0 01068% 3 90% F 3 90% $0 none The tales that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1- 800- DISCOVER (1.800.347. 2683). DISC VER New Balance 53,574.68 572.00 Minimum Payment Due AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Payment Due Dole December 31, 2007 Address, e-mail or telephone change Pont change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offer. Account Number ending in 3208 Enter Amount Enclosed Below Please make check payoble to Discover Card or pay online @ Discovercord om PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510035746800000000007200 Discover Motiva Card Account Summary Closing Date: December 3, 2007 Previous Balance Payments And Credits Purchases Cash Advances Bolonce Transfers Finance Charges New Balance You may be able to avoid Periodic Finance C reverse side for details Account number ending in Payment Due Dole Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available 3208 December 31, 2007 $72 00 $6,000 00 $2,425 00 $1,500 00 $1,500 00 page 1 of 2 $3,204 21 140 00 499 23 + 0 00 + 0 00 + 11 24 $3,574 68 barges, see the Cashback Bonus" Coshbock Bonus® Anniversary Month August Pay -On -Time Bonus(SM) Update 2 on -time payments have been received Just make 4 more an -time payments m a row to earn a PorOnTime Bonus' Opening Cashback Bonus Balance New Cashbaek Bonus This Period Cashback Bonus Balance 0 29 + 1.24 $ 1.53 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for heanng impaired) see revere side Visit Discover.com to pay your 6111 for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800- DISCOVER 1347 -2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Sall Lake Cily, UT 84130 Transactions Payments and Credits Merchandise Gasoline Supermarkets 30/96747 $0 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Date Date Nov 4 Nov 4 INTERNET PAYMENT - THANK YOU Nov 28 Nov 28 INTERNET PAYMENT - THANK YOU Nov 17 Nov 17 CIRCUIT CITY SS #3720 MECHANICSBURGPA Nov 8 Nov 8 TURKEY HILL #0095 069 HARRISBURG FA Nov 8 Nov 8 GIANT FOOD #263 ENOLA PA 010016 3 .40 OD -100 00 243 73 10 00 245 50 DISC VER tt pays to DISC VER AMANDA D BEAHM Account number ending in 3206 Closing Date: December 3, 2007 page 2:42 Finance Charge Summary Nominal Ti an:action Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance: Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchases $477 37 001068% 3 90% F 3 90% $1 53 $0 adC� sll9 van $0 0 05751% 20 99% F 20 99% $0 $0 t d $3031 69 0 01068% 3 90% F 3 90% $9 71 $o The rates that apply to your Account are ether fixed IF) or they may vary {VI as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER 11.800- 347.2683). DISC VER New Balance $4,096.69 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $82.00 Payment Due Dale January 31, 2008 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your email address to receive important Account information and special offer Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online raT Discovercard cam PO BOX 71 084 CHARLOTTE NC 28272 -1084 000001 986458703 127510040966900000000008200 Discover Motive Card Account Summary Closing Date: January 3, 2008 Account number ending in 3208 Previous Balance Payment Due Dote January 31, 2008 Payments And Credits Minimum Payment Due $82 00 Purchases Credit Limit $6,000 00 Cash Advances Credit Available $1,903 00 Balance Transfers Cash Credit Limit $1 ,500 00 Finance Charges Cash Credit Available $1,500 00 New Balance page I of 2 $3,574 68 8000 + 388 97 + 000 + 000 + 13 04 • $4,096 69 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Coshback Bonus® Anniversary Month August You're halfway there Just make 3 more on -lime payments in a row and you'll earn a Pay- On•Time 8onuslSM) Opening Cashback Bonus Balance $ 1 53 New Cashback Bonus This Period _._.__- .- .....,.- .1-:.47 Cashback Bonus Balance $ 3,00 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD )assistance for heanng impaired) see reverse side 2 3 Visit Discever.com to pay your bill for no cost, view your latest Account information, eam and redeem rewards and more Coll 1- B00- DISCOVER (347 -2683) For fast, easy self - service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise Restaurants Gasoline Automotive SO Fraud Liability Guarantee Trans. Date Dec 29 Dec 5 Dec 9 Dec 11 Dec 23 Dec 23 Dec 8 Dec 8 Dec 10 Dec 16 Dec 9 Post Date Dec 29 Dec 5 Dec 9 Dec 11 Dec 23 Dec 23 Dec 8 Dec 8 Dec 10 Dec lb Dec 9 Use your Discover Card with confidence INTERNET PAYMENT - THANK YOU OLLIES BARGAIN OUTLET 3 MECHANICSBURGPA KMART ENOLA PA SHARPER IMAGE /THE 800.3445555 CA HOLLISTER CO CAMP HILL PA VICTORIA'S SECRET STORES CAMP HILL PA DENNY'S #1342 MECHANICSBURGPA SHELL 34391002850560 ENOLA PA TOM'S 420 ENOLA PA SHELL 35191002850560 ENOLA PA FAULKNER HONDA HARRISBURG PA -80 00 17 46 27 97 199 12 5000 174 50 2000 15 01 12 50 30 01 42 40 Information For You Shop online, build rewards Earn 51/4 to 201 Cashback Bonus at top online retailers such as JCPenney com, GNC com and Royal Caribbean lntemational(R( through ShopDiscover Just visit Ducovorcard com /shop today) 301 96747 Wish you could sod these purchases by amount, description or category? You can -- register at Discovercard com to view your purchases online as for back as 12 months Learn more at Discovercard com /purchases DISC VER Ir pays ro DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: January 3, 2008 pogo 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rote 0 00795 %, corresponding ANNUAL PERCENTAGE RATE 2 90% Rate is subled to the terms of the offer including expiration Nominal Transoclion Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases $995 34 0 01048% 3 90% F 3 90% $3 30 $0 Casfj�AI:6r� $0 0 05751% 20 99% F 20 99% $0 $0 BttFtrk "1��716FEi9� $2945 93 0 01068% 3 90% F 3 90ro $9 74 $0 The rates that apply to your Account ore either Fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1- 800- DISCOVER (1- 800 -347. 2683), DISC VER New Balance 63,907.09 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due: $78.00 Payment Due Date February 29, 2008 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below $1 Please make check payable to Discover Cord or pay online 0 Discavercard cam PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510039070900000000007800 Discover Motiva Card Account Summary Closing Date: February 3, 2008 Account number ending in 3208 Previous Balance Payment Due Date February 29, 2008 Payments And Credits Minimum PaymenFDue $78 00 Purchases Credit Limit $6,000 00 Cash Advances Credit Available 82,092 00 Balance Transfers Cash Credit Limit $1,500 00 Finance Charges Cash Credit Available $1,500 00 New Balance You may be able to avoid Periodic .Finance Charges, see the reverse side for details page I of 1 $4,096 69 203 00 + 0 00 + 0 00 + 0 00 + 1340 • $ 3,407 04 Cashback Bonus" Coshback Bonus® Anniversary Month August Pay - On-Time Bonus15M1 Update 4 on -time payments hove been received Just make 2 more an -time payments in a row to earn a Pay-On -Time Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 300 + -0.25 $ 2,75 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Cord available For TDD lossrstance for hearing impaired) see reverse side 1 Vial Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Coll 1- 800 - DISCOVER (347 -2683) for fast, easy seIF- service ophons or io speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Crocks $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dale Jan 24 Jan 27 VICTORIA'S SECRET STORES CAMP HILL PA Jon 27 Jan 27 INTERNET PAYMENT - THANK YOU $ -10300 -100 00 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rale 0 00795 %, corresponding ANNUAL PERCENTAGE RATE 2 40% Rate is sublecl to the terms of the offer including expiraiion Nominal Average Dairy ANNUAL ANNUAL Periodic Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rotes RATES RATES CHARGES current billing ponod 31 days Purchases $1185 $1185 61 8 rb4d9 Advances $2865 24 0 01068% 0 05751% 0 01068% 3 90% F 20 99% F 3 90% F 3 90% $3 92 20 99% $0 3 90% $9 48 The rates that apply to your Account are either fixed )F) or they may vary (VI an noted above Transaction FINANCE CHARGES $0 $0 $0 Gel cash with your Docover)R) Card at ATMs nationwide For a personalized PIN call 1.800•DISCOVER (1.800. 347.2683) It's fast, safe, and secure Plus, you con use it immediately DISC V ER New Balance Minimum Payment Due. S4,729.74 $95.00 Payment Due Date March 31, 2008 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change Print change in space obove, or go to Discover com Print your e-mail address to receive important Account information and special offer Account Number ending in 3208 Enter Amount Enclosed Below $f Please make check payable to Discover Card or pay online CD Discovercard cam PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510047297400000000009500 Discover Motiva Card Account Summary Closing Date: March 3, 2008 Account number ending in 3208 Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available March 31, 2008 $95 00 $6,000 00 $1,27000 $1,.500 00 $1,27000 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $3,907 09 426 49 + 1,235 95 + 0 00 + 0 00 + 13 19 • $4,729 74 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus° Coshback Bonus® Since Anniversary Month Augud $7 79 I on -lime payment to got Make of least your Minimum Payment Due by the Payment Due Date and earn your next month's interest as n Pay.On.Time Bonus(SM) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 2 75 + ... .... $ 7,79 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 2 3 Visit Discovor.com to pay your bill for no cost, view your latest Account Information, eorn and redeem rewards and more Call I- 800 - DISCOVER 1347.2683) for fail, easy selfaervice options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Trans, Post Date Daie Payments and Credits Feb 14 Feb 14 Mar 2 Mar 3 Merchandise Feb 21 Feb 21 Feb 22 Feb 22 Mar I Mar Mar 2 Mar 2 Automotive Feb 12 Feb 12 Travel /Entertainment Feb 14 Feb 14 Department Store Feb 21 Feb 21 Use your Discover Card with confidence INTERNET PAYMENT - THANK YOU TARGET MECHANICSBURGPA OLD NAVY 45348 CAMP HILL PA GAMESTOP 41845 CAMP HILL PA TARGET MECHANICSBURGPA TARGET MECHANICSBURGPA FAULKNER HBO INC HARRISBURG PA ENTERPRISE 10054658 HARRISBURG PA MACY'S EAST 40199 CAMP HILL PA $ .400 00 -26 49 68 30 80 54 280 12 57 19 554 17 154 85 40 78 Information For You • "REM1NDER•• The Payment Due Dale for your Account will be changing beginning with the statement you receive in May 2008 The new dale will be printed at the lop of the remittance coupon You will continue to receive at least 25 days from the last day of your previous bilking period until your payment is due 30196747 Need some help wound the house Get organized for sprung with your Discover(R) Card Gel 5% to 20% Cashback BonuslR) at top online retailers like Linens & Things, Sears and Office Max on our exclusive online shopping site, ShopDascover Visit Discovercard com /shop today' DISC VER R pays ro DISC VER' AMANDA D BEAHM Account number ending in 3208 Closing Dale: March 3, 2008 page 2 of 2 Earn 5% to 20% Cashback Bonus(R) at over 90 lop online retailers like Circuit City core, LandnEnd com and Barnes & Noble com through our exclusive online shopping site, ShopDiscover Visit Discovercord com /shop today! Did you know that you can get cash al ATMs with your Discover(R) Card2 Whether it for a well deserved vacation, o last minute birthday gift, or o much needed air conditioner, Discover Card can always help you out All you need is your Discover Cord and a PIN To request a PIN or change your existing PIN call 1.900-DISCOVER (1.800347.2683) Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rote 0 01616%, corresponding ANNUAL PERCENTAGE RATE 5 90% Rale o subject to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bdances Roles RATES RATES CHARGES CHARGES current biting period 29 days Purchases $1723 86 001068% 3 90% F 3 90% $3 34 $0 C�¢�sI�� dea,n,��gg $0 0 05751% 20 99°r% F 20 99% $0 $0 BaDfic �bn6 r7 $2537 76 0 01068% 3 90% F 3 90% $7 85 $0 The roles thot apply to your Account are either Fixed (F) or they may vary (VI or noted above Questions? Manage your account at Discaver.com or call 1- 800 - DISCOVER (1-800-347-2683). DISC VER New Balance $5,186.54 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 S103,00 Enter Amount Enclosed Below Payment Due Dole April 30, 2008 Please make check payoble to Discover Card or pay online 81 Discovercard corn PO BOX 71084 CHARLOTTE NC 28272 -1081 Address, e-mail or telephone chrnigeIt Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers 000001986458703127510051865400000000010300 Discover Motiva Card Account Summary Account number ending Payment Dua Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cosh Credit Available in 3208 April 30, 2008 $103 00 $6,000 00 $813 00 $1,500 00 $813 00 Closing Date; April 3, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $4,729 74 11580 + 532 62 + 000 + 000 • 39 98 • $5,186 54 You may be able to ovoid Periodic Finance Charges, sea the reverse side for details Cashback Bonus Cashback Bonus® Since Anniversary Month August $50 17 CONGRATLJLATIONSI You earned $ 39 98 as a Pay -On -Time Bonus(SMl Visit biscovercard com or cal 1-800-DISCOVER (1.800.347.2683) to redeem your reward) Opening Cashback Bonus Balance New Cashback Bonus This Period Pay.On•Ti me Bonus Everywhere Else Cashback Bonus Balance $ 7 74 + 39 98 + 2 40 $ 50.17 How Can We HeIp You? it's your choke - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800•DISCOVER 1347.2683) for lall, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Cord, PO Box 30043, Sall Lake City, UT 84130 Transactions Payments and Credits Merchandise /Rotas) Restaurants Hame Improvement $0 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Dow Date Mar 21 Mor 23 THE HOME DEPOT 4120 MECHANICSBURGPA Mar 26 Mar 26 INTERNET PAYMENT - THANK YOU Mar 3 Mar 4 KMART ENOLA PA Mar 4 Mar 4 RITE AID ENOLA PA Mar 5 Mar 5 WAL•MART SC • #1886 MECHANICSBURGPA Mar 5 Mw 5 KMART MECHANICSBURGPA Mar 6 Mw 6 WAL -MART SC • #1886 MECHANICSBURGPA Mar 16 Mar 16 RADIOSHACK COR00120535 ENOLA PA Mar 29 Mar 29 KMART ENOLA PA Mar 28 Mar 28 BENIHANA HARRISBURG PA Mar 10 Mar 10 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA Mar 19 Mor 19 THE HOME DEPOT 4120 MECHANICSBURGPA Mar 21 Mor 21 THE HOME DEPOT 4120 MECHANICSBURGPA $ -20 80 -95 00 4026 11444 42 8B 29 18 16 63 741 32 40 120 00 78 82 38 71 6 89 Information For You LcaO496747h) your Payment Due Date next month Remember we offer several payment options such as electronic payments through our Account Center at Discovercord com and pa•byphone at l.800•DISCOVER (1.800.347.2683) Did you know That you an get cosh with your Discover(R) Card at Banks and Credit Unions nationwide, including Citibank(R), Wens Fargo)R), and Washington Mutuol(R)? Just show the bank teller your Discover Card and a photo ID so gel the cash you need DISC VER It pays la DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: April 3, 200E page 2 of 2 Why not separate business expenses from personal expenses with the Discover(R) Business Card You4i get $60 extra Cashback(RI Bonus •• lust use your card once a month for the first 6 months and earn an extra $10 Cashback Bonus each month Learn more at Business Discovercard com •• apply there or call 1- 888.204 -8873, mention source code ZABD Through generous Cardmembers like you, Discover(R) Cord has donated almost $16 million to the Make•A•W■sh Foundatron(R) Consider contributing your Cashback Bonus(R) to the Mako.A•Wish Foundation to help make a child's dream come true To further your donation, Discover will add an additional 20% Visit Discovercard com or Wish org Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rote 0 01616%, corresponding ANNUAL PERCENTAGE RATE 5 90% Rale n subject to the terms of the offer including expirahon Nominal Transaction Average Daily ANNUAL ANNUAL Penodu Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases 32702 69 0 03833% 1399% F 13 99% $32 11 $0 $0 005751 % 2099% F 2099% $0 $0 $2380 01 0 01068% 3 90% F 3 90% $7 87 $0 The roles that apply to your Account are either fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER (1.800.347.2683). DISC VER New Balance Minimum Payment Due $5,442.50 $109.00 Payment Due Dale May 29, 2008 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-moil or telephone change Print change in space obove, or go to Discover com Print your e•mad address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703 I 27510054425000000000010900 Discover Motive Card Account Summary Closing Date: May 3, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 3208 May 29, 2008 $109 00 $7,800 00 $2,357 00 $2,000 00 $2,000 00 page I of 2 $5,186 54 103 00 + 31706 + D 00 + 0 00 + 4190 $5,442 50 You may be able to avoid Periodic Finance Charges, sae the reverse side for details Cashback Bonus') Coshbock Bonus® Since Anniversary Monde August $52 16 Pay -On -Time BonuslSM Update 1 on -time payment was received Simply make 5 more on -time payments in a row to earn a Pay•On•Time Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 5017 $ 52.16 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD 'assistance for hearing impaired) see ieverse side 1 Visit Discaver.com to pay your bill for no cost, view our latest Account information, earn and redeem rewords and more 2 Call 1•800- DISCOVER 1347 -26831 for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise /Retail Gasoline Supermarkets Medical Services $0 Fraud Liability Guarantee Use your Discover Card with confidence Post Date Apr 30 Trans. Date Apr 30 Apr 6 Apr 6 Apr 13 Apr 13 Apr 30 May l Apr 13 Apr 13 Apr 30 May 1 INTERNET PAYMENT • THANK YOU ALLOY ALLOY CATALOG 688.452.5569 TN R69565810001 GIANT FUEL 4263 ENOLA PA 010040 GIANT FOOD li263 ENOLA PA 010041 GIANT FOOD 8263 ENOLA PA 010196 MARTIN J PASTUCKA DDS NEW CUMBERLANPA -103 00 6731 38 00 7 09 4 66 200 00 Information For You " ATTENTION " Please note that your Payment Due Date has changed Please pay the Minimum Payment Due by this date to avoid a late fee 30196747 DISC VER It pays to DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: May 3, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 01342 %, corresponding ANNUAL PERCENTAGE RATE 4 90% Rate a subject lo the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchases 33001 38 0 03833% 13 99% F 13 99% 334 52 30 Cow f�F]dva 30 0 05751% 20 99% F 20 99% SO $0 Bti�tldf }i (47 32300 48 0 01068% 3 90% F 3 90% $7 38 $0 The rates that apply to your Account are either fixed (F) or they may vary (VJ as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER (1.800- 347.2683). DISC VER New Balance 55,721.20 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due S 1 14.00 Payment Due Date June 28, 2008 Address, e-mail or telephone change2 Pont change in space above, or go to Discover cam Print your e-mail address to receive important Account information and special offer Account Plumber ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercmd com PO BOX 71 084 CHARLOTTE NC 28272 -1084 000001986458703127510057212000000000011400 Discover Motiva Card Account Summary Closing Date: June 3, 2008 Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 3208 June 28, 2008 $11400 $7,800 00 $2,078 00 $2,000 00 $2,000 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You moy be able to avoid Periodic reverse side for details MMEINED page 1 of 2 $5,442 50 109 00 + 338 52 + 000 + 000 + 4918 $5,72120 Finance Charge:, see the Cashback Bonus Cashback Bonusra Since Anniversary Month August $55 03 Pay -On -Time 8onus(SM) Update 2 on -time payments have been received Just make 4 more on -lime poymenls in a row to earn a Pay.On -Time $onus) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 52 16 $ 55.03 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD lossistance for hearing rmpairedl see reverse side 2 3 Visit Discover,com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more Cot 1- 800•DISCOVER 1347 -2683) for fast, easy self - service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake Cry, UT 84130 Transactions Payments and Credits Merchandise /Rolaih Restaurants Gasoline Automotive $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Date May 29 May 1 May 7 May 17 May 7 May 7 May 28 os1 Vale May 29 May 4 May 7 May 17 May? May 7 May 28 PHONE PAYMENT - THANK YOU ROSS DRESS FOR LESS MECHANICSBURGPA RITE AID LEMOYNE PA WAL-MART SC . 41886 MECHANICSBURGPA MACON DINER MACON GA 0202342 CHEVRON 0202 IVEY GA ADVANCE AUTO PARTS 41 238 ENOLA PA $ -109 00 9785 22 99 67 49 11000 25 54 14 05 Information For You Congratulations to the 2008 Discover(RI Scholarship Program winners Destiny Beal, Laura D'Asaro, Caitlyn Darnell, Sept Hathi, Trey Jones, Rebecca Robison, Rhonda Samples, Marilyn Sanchez, Sarah Woolen and Ge lhang Each wan $30,000 for post highaschool education or training Visit www Discoverfmancial com /community to learn more 30196747 With NEW Online Cash into Checking, Drscover(RJ Card makes getting the cash you need as easy as the click of a mouse Just go to Discover com /cash to transfer cash directly from your Discover Card to your checking account today DISC VER It pays to DISC VER' AMANDA D BEAHM Account number ending in 3208 Closing Date: June 3, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 01342 %, corresponding ANNUAL PERCENTAGE RATE 4 90% Rale is subject to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily • Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases $3525 05 0 03833% 13 94% F 13 99% $41 89 $0 Cas gp�dvo�nncc,,ggs $0 005751% 20 99% F 2099% $0 $0 B '#�CJtdi4? $2203 46 0 01068% 3 90% F 3 90% $7 29 $0 The rates that apply lo your Account are either Fixed CO or they may vary {VJ as noted above Questions? Manage your account at Discover -com or call 1- 800 - DISCOVER (1.80D- 347 - 2683). DISC VER New Balance $6,053.09 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due. 5121.00 Payment Due Dote July 29, 2008 Address, e-mail or telephone change? Print change in space above, or go to Discover corn Print your email address to receive important Account information and special offer: Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Discovercard com PO BOX 71 084 CHARLOTTE NC 28272-1084 000001986458703 127510060530900000000012100 Discover Motiva Card Account Summary Closing Dare: July 3, 2008 Previous Balance Payments And Credits Purchases Cosh Advances Balance Transfers Finance Charges New Bounce Account number ending in 3208 Payment Due Date July 29, 2008 Minimum Payment Due $121 00 Credit Limit $7,800 00 Credit Available $1,746 00 Cash Credit Limit $2,000 00 Cosh Credit Available $1,746 00 page 1 of 1 $5,721 20 154 00 434 58 + 0 00 + 000 + 51 31 + $6,053 09 You may be able to ovoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashbook Bonus® Since Anniversary Month August $59 37 You're halfway there Just make 3 more on -time payments in a row and you'll earn a Pay -On -Time Bonus(SM) Opening Cashbook Bonus Balance New Cashback Bonus The Period Redeemed This Period Cashback Bonus Balance $ 55 03 • 40 00 $ 19.37 How Can We Help You? It's your choice - 3 ways to help Please hove your Discover Cord available For MD lassmtonce for hearing impaired) see reverse side 1 Visit Discaver.com 10 pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Call 1- 800 - DISCOVER 1347.2683E for fast, easy self-service options or to speak with o Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits Award and Rebate Credits Jun 20 Automotive Jun 16 $11 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jun 27 Jun 27 Jun 20 Jun 16 PHONE PAYMENT - THANK YOU REWARD REDEMPTION CREDIT BOBBY RAHAL HONDA MECHANICSBURGPA $ .11400 -40 00 434 58 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rale 0 01342 %, corresponding ANNUAL PERCENTAGE RATE 4 90% Rate is sublect to the terms of the offer including expiration Nominal Average Daily ANNUAL. ANNUAL Periodic Daily Periodic PERCENTAGE PERCENTAGE FINANCE Balances Rates RATES RATES CHARGES current billing period 30 days Purchases $3883 59 Cash_ Advances $0 Bs�trJr1967r47 $2077 29 0 03833% 13 99% F 0 05751% 20 99% F 0 01068% 3 90% F 1399 20 99% 3 90° The rates that apply to your Account are either Fixed IFI or they may vary (V) as noted above Transaction Fee CHARGES $44 66 $0 $0 $0 $6 65 $0 Wish you could sort these purchases by amount, description or category? You can -- register at Discovercard corn to view your purchases online as For back as 12 months Learn more at Discovercard com /purchases DISC VER New Balance $6,090.48 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $121.00 Payment Due Date August 29, 2008 Address, e-mail or telephone change2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online Dlscovercard corn PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510060904800000000012100 Discover Motiva Card Account Summary Closing Dote: August 3, 2008 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending to 3208 Payment Due Date August 29, 2008 Minimum Payment Due $121 00 Credit lima $7,800 00 Credit Available $1,709 00 Cosh Credit Limit $2,000 00 Cash Credit- Available $1,709 00 page 1 of 1 $6,053 09 13000 + 111 28 + 000 + 000 + 56 1 1 ▪ $6,090 48 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bona? Cashback Bonus® Since Anniversary Month August $60 48 Pay -On -Time Bonus(SM) Update 4 on -time payments have been received Just make 2 more on -time payments in a row to earn a Pay. Orr -Time Bonus' Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 19 37 + 1.11 $ 20.48 How Can We Help You? it's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discaver,cotn to pay your bill far no oast, view your latest Account information, earn and redeem rewards and more 2 Call 1. 800 - DISCOVER 1347 -2683) For fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments end Credits Merchandise /Retail $O Fraud Liability Guarantee Use your Discover Card with confidence Tran s. Date Jul 26 Jul 13 Post Date Jul 26 INTERNET PAYMENT - THANK YOU $ -130 00 Jul 1 3 RITE AID LEMOYNE PA 1 1 1 28 Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rate 0 00545 %, corresponding ANNUAL PERCENTAGE RATE 1 99% Role is sublect to the terms of the offer including expiration Nominal ANNUAL PERCENTAGE RATES Average Doily Balances current billing period 31 days Purchases $4183 98 C s Advances $0 aG196,747 $1937 34 Daily Periodic Rates 0 03833% 005751% 0 01068% 1399% F 20 99% F 3 90% F ANNUAL PERCENTAGE RATES 13 99% 20 99% 3 90% The rates that apply to your Account are either fixed IF) or they may vary (VJ as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $49 71 $0 $6 40 $0 so $0 Fall fashions breaking the bank4 Shop Back- to,Schoot sales through our exclusive online shopping site ShopDiscoverl Earn 5% to 20% Cashback Bonus(R) al your favorite online retailers like Old Navy, Sears, Lands' End and many more Visit Discover com /Shop todoyl DISC VER New Balance S6,226.14 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 5124.00 Enter Amount Enclosed Below Payment Due Dole September 28, 2008 Please make check payable to Discover Card or pay online @ Drscovercard corn PO BOX 71084 CHARLOTTE NC 28272 -1084 Address, e-rnorl or telephone change? Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers 000001986458703127510062261400000000012400 Discover Motiva Card Account Summary Closing Dote: September 3, 2008 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit limit Cosh Credit Available 3208 September 28, $12400 $7,800 00 $1,573 00 $2,000 00 $1,573 00 Previous Balance 2008 Payments And Credits - Purchases + Cash Advances + Balance Transfers + Finance Charges + New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page 1 of 2 $6,090 48 15000 228 17 000 000 5749 $6,226 14 Cashback Bonus' Cashback Bonus® Anniversary Month August 1 on -time payment to got Make at least your Minimum Payment Due by the Payment Due Dote and earn your next month's interest as a Pay- OnTrrne 8onus(SM) Opening Cash bock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 20 48 t_....._ _._ .. 0.57 $ 21.05 How Can We Help You? Its your choke - 3 ways to help Please have your Discover Cord available For TDD lassistance for hearing impaired) see reverse side Visit Discover,com to pay your b1t for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1 -B00- DISCOVER 1347 -2683) for fast, easy self- service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merc handise /Retail Restaurants 30196747 $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Aug 29 Aug 29 INTERNET PAYMENT - THANK YOU Aug 24 Aug 24 FURNITURE & MATTRESS DI HARRISBURG PA Aug 28 Aug 28 TICKETS' YORK FAIRGRND 800. 3520212 CA Aug 28 Aug 28 TEXAS ROADHOUSE 42286 CAMP HILL PA -150 00 105 99 8900 33 18 DISC VER DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: September 3, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current pilling period Daily Periodic Rate 0 00545%, corresponding ANNUAL PERCENTAGE RATE 1 99% Rate is sublecl to the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 31 days Purchases $4331 91 0 03833% 13 90% F 13 99% $51 47 $0 C s �jdean $0 0 05751% 20 99% F 20 09% SO $0 B 19 f $182227 001068% 390% F 390% $602 $0 The rotes that apply to your Account are either Fixed (F) or they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER (1-800-347-2683). DISC VER New Balance 56,417.84 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due- S128.00 Payment Due Date October 29, 2008 Address, e-mail or telephone chonge2 Print change in space above, or go to Discover corn Print your elver' address to receive important Account information and special offer Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercord corn PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510064178400000000012800 Discover Motive Card Account Summary Account number ending to Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Lima Cash Credit Available 3208 October 29, 2008 $128 00 $7,800 00 $1,382 00 $2,000 00 $1,382 00 Closing Dote: October 3, 2008 page I of 2 Previous Balance $6,226 14 Payments And Credits 125 00 Purchases 257 42 Cash Advances + 0 00 Balance Transfers + 0 00 Finance Charges + 59 28 New Balance = $6,417 84 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus" Cashback Sonuse Since Anniversary Month August $60 49 CONGRATULATIONS! You earned $ 59 28 os a Pay -On -Time 8onus(SM) Visit Docovercard cam or cal 1- 800 -DISCOVER (1- 800.347.26831 to redeem your reward) Opening Cashback Bonus Balance New Cashback Bonus This Period PayOn•Time Bonus Everywhere Else Cashback Bonus Balance $ 2105 + 5928 + 0 64 $ 80,97 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Call 1.800- DISCOVER 1347.26831 for fart, easy self - service options or to spook with a Customer Service Account Manager 3 Witte us at Discover Card, PO or 30943, Salt lake City, UT 84130 Transactions Payments and Credits Merchandise /Retail Restaurants Gasoline Supermarkets 30196747 $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Dote Sep 27 Sep 15 Sep 15 Sep 15 Sep 15 Sep 23 Sep 13 Sep 15 Sep 16 Sep 17 Sep 18 Sep 23 Sep 15 Post Dote Sep 27 INTERNET PAYMENT - THANK YOU Sep 15 RITE AID LEMOYNE PA Sep 15 RITE AID LEMOYNE PA Sep 15 TOYS R US 8315 CAMP HILL PA Sep 15 TOYS R US 8315 CAMP HILL PA Sep 23 JOURNEYS #1065 30 CAMP HILL PA Sep 13 PIZZA HUT 484430339835 CAMP HILL PA Sep 15 TOWER SALES MINI MART #9 ENOLA PA Sep 16 GIANT FUEL #263 ENOLA PA 010075 Sep 17 SHELL 2629 1 002850560 ENOLA PA Sep 18 TOWER SALES MINI MART #9 ENOLA PA Sep 23 SHELL 26891002850560 ENOLA PA Sep 15 GIANT FOOD #269 CAMP HILL PA 010126 1 • 125 00 20 00 14 38 15 89 13 42 0099 32 31 I S 68 20 00 20 01 1452 10 00 11 22 Need Cash? Whether it's for an unexpected bit, an emergency car repair or your kids` school activities, Discover(R) Card can always help Get cosh of ATMs nohonwide or have money deposited directly into your bank account Visit Discover tom/cash to find out more DISC VER k pays to DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: Oclober 3, 2008 page 2 of 2 Information For You Throughout November and December, lust use your Discover(R) Card of grocery stores and get Double Cashbock Bonus on up to $1,000 to purchases Ws another way Discover Card puts more money back in your pocket for everyday purchases Sign up today at Discover com /double or toll I. 800 - Discover 11.800.347.2683) Finance Charge Summary Balance Transfer offer for current billing period Daily Periodic Rote 0 01367%, corresponding ANNUAL PERCENTAGE RATE 4 99% Rote is subiecl 10 the terms of the offer including expiration Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchases $4687 83 0 03833% 13 99% V 13 99% $53 91 $0 C��sll��g�jdva,n,��gg $0 0 05751% 20 99% F 20 99% $0 $0 Bo3QC'k�U lTfy7 $1677 83 0 01068% 3 90% F 3 90% $5 37 $0 The rates that apply to your Account are either fixed 1Fl or they may vary (V1 os noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER (1-800-347-2683). DISC VER New Balance $6,902.85 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 5137,00 Enter Amount Enclosed Below Payment Due Date November 28, 2008 Please make check payable to Discover Card or pay online Dncovercord com PO BOX 71084 CHARLOTTE NC 28272 -1084 Address, e-mail or telephone change? Print change in space above, or go to Discover com Print your email address to receive important Account information and special offer. 000001986458703127510069028500000000013700 Discover Motiva Card Account Summary Closing Dote: November 3, 2008 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cash Credit Available 3208 November 28, 2008 $137 00 $7,800 00 $897 00 $2,000 00 $89700 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to ovoid Periodic Finance reverse side for details page 1 of 2 $6,417 84 13500 + 556 98 + 000 + 000 + 63 03 • $6,902 85 Charges, see the Cashback Bonus" Cashback Bonus*, Since Anniversary Month August $61 87 Pay -On -Time 8onus(SM1 Update 1 on -tune payment was received Simply make 5 more an -lime payments in o row to earn a Pay- On.Time Bonus' Opening Cashback Bonus Bolance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance $ + 81 38 $ 2.35 How Can We Help You? It's your choke - 3 ways to help Please have your Discover Card available For TDD lassrstance For heonng impaired) see reverse side Visit Diccover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Call 1- 800 - DISCOVER 1347 -2883) for fast, easy self - service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Morcbandlse /Retail Restaurants Education Home Improvement $0 Fraud liability Trans. Post Date Date Oct 26 Oct 26 Oct 9 Oct 16 Nov 2 Oct 9 Oct 9 Oct 6 Oct 6 Guarantee Use your Discover Card with confidence INTERNET PAYMENT - THANK YOU Oil 9 WAL.MART SC . #1886 MECHANICSBURGPA Oct 16 RITE AID LEMOYNE PA Nov 2 JUST CABINETS MECHANCSBRG PA Oct 9 CHUCK E CHEESE00009647 HARRISBURG PA Ocl 9 CHUCK E CHEESE00009647 HARRISBURG PA Od 6 KNOWLEDGE IEARNING CORP PORTLAND OR Od 6 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA $ •135 00 109 23 40 24 105 99 138 79 30 00 90 00 42 73 Information For You Balance Transfer offers) for current billing period; Daily Periodic Rate 0 01367 %, corresponding ANNUAL PERCENTAGE RATE 4 99% 30196747 DISC VER h pays fo DISC VER. AMANDA D BEAHM Account number ending in 3208 Closing Date: November 3, 2008 page 2 of 2 Finance Charge Summary current billing period 31 days Purchases ElbAdiaw Nominal Transaction Average Daily ANNUAL ANN UAt Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Roles RATES RATES CHARGES CHARGES $5249 58 0 03559% 12 99 %b V 12 99% $57 91 $0 $0 0 05751% 20 99"% F 20 99% $0 $0 $1548 06 0 01068% 3 90% F 390% $5 12 $0 The roles that apply to your Account are either fixed (Ft or they may vary 11,1) as noted above Questions? Manage your account at Discover.com or call 1.800- DISCOVER (1.800- 347.2683). 1 DISC VER' New Balance Minimum Payment Due $7,225.24 $144.00 Payment Du@ Dole December 29, 2008 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change2 Punt change in space above, or go to Discover com Print your email address to receive important Account information and speciol offers Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Dmcavercard cam PO BOX 71 084 CHARLOTTE NC 28272 -1084 000001986458703127510072252400000000014400 Discover Motiva Card Account Summary Closing Date: December 3, 2008 Account number ending in 3208 Previous Balance Payment Due Date December 29, 2008 Payments And Credits Minimum Payment Due $144 00 Purchases Credit Limit $7,800 00 Cosh Advances Credit Available $574 00 Balance Transfers Cash Credit Limil $2,000 00 Finance Charges Cash Credit Available $574 00 New Balance You may be able to ovoid Periodic Finance reverse side for details page 1 of 2 $6,902 85 174 16 430 82 + 0 00 + 0 00 4 65 73 $7,225 24 Charges, see the Cashback Bonus' Cashback Bonus8ii Since Anmversory Month August $62 87 Poy- On•Time Bonus(SM) Update 2 on -time payments have been received Just make 4 more an -time payments in 0 row to earn a Pay •On -Time Bonusl Opening Cashback Bonus Balance New Cashback Bonus Thrs Period Cashback Bonus Balance $ 2 3S + 1.00 $ 3,35 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for heanng impaired) see reverse side 1 Visii Discever.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1- 800 - DISCOVER 1347 -2683) for fast, easy self.service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits Merchandise /Retail Gasoline Medical Services Home Improvement $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Pest Date Date Nov 26 Nov 28 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA Nov 27 Nov 27 INTERNET PAYMENT - THANK YOU Nov 2 Nov 4 Nov 2 Nov 4 Nov 13 Nov 13 Nov 12 Nov 12 RADIOSHACK COR00120535 ENOLA PA OWES BARGAIN OUTLET 3 MECHANICSBURGPA KMART ENOLA PA HESS 38421 ETTERS PA Nov 11 Nov 11 GOOD HOPE FAMILY PRACTIC SOUTH ENOLA PA Nov 6 Nov 6 Nov 11 Nov 11 Nov 1 1 Nov 11 Nov 26 Nov 26 Nov 26 Nov 26 LOWE'S OF MECHANICSBURG, MECHANICSBURGPA LOWE'S OF MECHANICSBURG, MECHANICSBURGPA LOWE'S OF MECHANICSBURG, MECHANICSBURGPA LOWE'S OF MECHANICSBURG, MECHANICSBURGPA LOWE'S OF MECHANICSBURG, MECHANICSBURGPA 3 -29 16 •145 00 52 98 21 19 1110 20 00 15 00 14 31 25 40 91 30 127 42 52 12 Information For You Bftat 91311wpf.rio for current billing period: Daily Periodic Rate 001367•x, corresponding ANNUAL PERCENTAGE RATE 4 99"n DISC VER ItPaysw DISC VER' AMANDA D BEAHM Account number ending in 3208 Closing Date: December 3, 2008 page 2 of 2 Finance Charge Summary Nominal Tranraclion Average Daily ANNUAL ANNUAL Penodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rales RATES RATES CHARGES CHARGES current billing period 30 day$ Purchases $5730 16 0 03559% 12 99% V i 2 99% $61 18 $0 Ca��jj,, dva,n,��gg $0 0 05751% 20 99% F 20 99% $0 $0 BcJddc��q$f $1423 26 0 01068% 3 90% F 3 90% $4 55 $0 The rates That apply to your Account are either fixed (F) at they may vary (V) as noted above Questions? Manage your account at Discover.com or call 1- 800•DISCOVER (1.800- 347 - 2683 }. DISC VER New Balance 57,141.25 AMANDA D BEAHM 19 ANNETTE DR ENOIA PA 17025 -1802 Minimum Payment Due $142.00 Payment Due Date January 29, 2009 Address, email or telephone change2 Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offer. Account Number ending in 3208 Enter Amount Enclosed Below 1 Please make check payable to Discover Card or pay online 0 Discovercord tom PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510071412500000000014200 Discover Motiva Card Account Summary Closing Date: January 3, 2009 page 1 of 2 Account number ending Payment Due Dale Minimum Paynnent Due Credo limit Credit Available Cash Credit Limit Cosh Credit Available In 3208 January 29, 2009 $142 00 $7,800 00 $658 00 $2,000 00 $658 00 Previous Balance $7,225 24 Payments And Credits - 150 00 Purchases + 0 00 Cash Advances + D 00 Balance Transfers + 0 00 Finance Charges + 66 01 New Balance e $7,141 25 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Coshbock Bonus® Since Anniversary Month August $62 87 You're halfway there Just make 3 more on -time payments in a row and you'll earn a Pay -On -Time Bonus(SM) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 335 .........._.._...... 0.;00 $ 335 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discaver.com to pay your bill for no cost, view your latest Account information, earn and redeem rewords and more 2 Coq 1.800- DISCOVER )347 -2683) for fast, easy self•servrce options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments end Credits 50 Fraud liability Guarantee Use your Discover Cord with confidence Trans. Post Dote Dabs Dec 29 Dec 29 INTERNET PAYMENT • THANK YOU -150 00 Information For You Balance Transfer offers) for currant billing period: Daily Periodic Rate 0 01367%, corresponding ANNUAL PERCENTAGE RATE 4 99% Finance Charge Summary Average Daily Balances currant billing period 31 days Purchases goces BJ04967 $5940 6.5 $0 $128747 Doily Periodic Rotes 0 03353% 0 05751% 0 01068 Nominal ANNUAL ANNUAL PE SAGE PERCENTAGE 12 24% V 20 99% F 3 90% F 12 24% 20 99% 3 90% The rates That apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE CHARGES $61 75 $0 $0 $0 $4 26 $0 DISC VER New Balance Minrmum Payment Due $7,055.32 $140.00 Payment Due Dale February 28, 2009 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail el telephone changee Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending to 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online A Discovercard com PO BOX 71 084 CHARLOTTE NC 28272 -1084 000001986458703127510070553200000000D14000 Discover Motiva Card Account Summary Closing Date: February 3, 2009 Account number ending in 3208 Previous Balance Payment Due Dale February 28, 2009 Payments And Credits Minimum Payment Due $140 00 Purchases Credit Limit $7,800 00 Cash Advances Credit Available $744 00 Balance Transfers Cash Credit Limit $2,000 00 Finance Charges Cosh Credit Available $744 00 New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details page 1 of 1 $7,141 25 15200 + 000 + 000 + 000 + 66 07 $7,055 32 Cashback Bonus' Cashback Bonus® Since Anniversary Month August $62 87 Pay -On -Time Bonus(SM) Update 4 on -time payments have been received Just make 2 . more on -time payments m a row lo earn a Pay- OnTrme Bonusl Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 3 35 *_,..,_....._..._...._0:00 1 3.35 How Can We Help You? it's your choice - 3 ways to help Please have your Discover Card available For TDD'assistance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and mole Call 1-800-DISCOVER '347 -2683) for fast, easy self - service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jan 23 Jan 23 INTERNET PAYMENT - THANK YOU $ .15200 Information For You Balance Transfer offer's) far current billing period: Daily Periodic Rote 0 01367%, corresponding ANNUAL PERCENTAGE RATE 4 99% Finance Charge Summary Average Daly Balances current billing period 31 days Purchases $6002 72 CAAsh_�Advances $0 Baid214267417 $1 1 I 1 66 Daily Periodic Rates 0 03353% 0 05751% 0 01068% Nominal ANNUAL ANNUAL Periodic PERCENTAGE PERCENTAGE FINANCE RATES RATES CHARGES 1224%V 2099% F 3 90% F 12 24% 20 99% 3 90% The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above $62 40 $0 $3 67 Transaction FINANCE CHARGES $0 $0 $o Income Gap Protection gives you cosh when you need i1 most •- when your income is interrupted by involuntary unemployment, disability or family leave of absence Learn how Income Gap Protection can help you Call us today at 1.800. 240.1009 DISC VER New Balance 56,975.22 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due 5139,00 Payment Due Dale March 29, 2009 Address, e-mail or telephone change Print change in space above, or go to Discover tom Print your e-mail address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below 1 Please make check payoble to Discover Card or pay online @ Discovercard corn PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510069752200000000013900 Discover Motiva Card Account Summary Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 3208 March 29, 2009 $139 00 57,800 00 $824 00 52,000 00 $824 00 Closing Dote: March 3, 2009 page 1 of 2 Previous Balance $7,055 32 Payments And Credits - 140 00 Purchases + 0 00 Cash Advances + 0 00 Balance Transfers + 0 00 Finance Charges + 59 90 New Balance = $6,975 22 You may be able to ovoid Periodic Finonce Charges, see the reverse side for details Cashback Bonuse Cashbook Bonus® Since Anniversary Month August $02 87 1 on -time payment to got Make at least your Minimum Payment Due by the Payment Due Dote and earn your next month's interest as a Pay.On.Time Bonus(SM) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 5 3 35 + 0.00 $ 3.35 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impauedl see reverse side Visit Discever.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800. DISCOVER 1347 -2683) for fast, easy self-service options or to peak with a Customer Service Account Manager 3 Write us of Discover Cord, PO Box 30943, Solt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dare Date Feb 28 Feb 28 INTERNET PAYMENT - THANK YOU 140 00 Information For You Balance Transfer efforts) far current billing period: Doily Periodic Rote 001093 %, corresponding ANNUAL PERCENTAGE RATE 3 99% Finance Charge Summary Av Irage Balances current billing period 28 days Purchases ��g $60b2 38 Bafd n6F�� dc ?d�t1 $1100180 Daily Periodic Roles 0 03353% 005751% 0 01068% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE E 12 24% V 20 99% F 3 90% F 12 24% 2099% 3 90% The vales Ihot apply to your Account are either fixed (F) or they may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $56 92 50 $0 $0 $2 98 $0 Sign up now for DOUBLE Cashback Bonus at home improvement stores Earn DOUBLE Cashback Bonus during April and May, 2009 on up to $500 in home improvement purchases free Easy Sign up now Go to Discover cam /double or call I.800.DISCOVER (1.800.347.2683) 1 DISC VER' New Balance $6,891.66 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $137.00 Payment Due Dale April 28, 2009 Address, e.moil or telephone chonge2 Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offer Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard com PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510068916600000000013700 Discover Motiva Card Account Summary Closing Date: April 3, 200? Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cosh Credit Available rn 3208 April 28, 2009 $13700 $7,800 OD $908 00 $2,000 00 $908 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance You may be able to avoid Periodic reverse side for details page 1 of 1 $6,975 22 150 00 4 0 00 + 000 + 0 00 + 66 44 $6, 891 66 Finance Charges, see the Cashback Bonus" Cashback Bonusi8 Since Anniversary Month August $129 31 CONGRATULATIONS! You earned $ 66 44 as o Pay.On -Time BonusISM) Visit Discovercard com or call 1 -800- DISCOVER (1.800. 347 -2683) to redeem your reward Opening Cashback Bonus Balance New Cashback Bonus This Period PayOn.Time Bonus Everywhere Eke Cashback Bonus Balance $ 3 35 + • 66 44 0 00 $ 69.79 How Can We Help You? it's your choice • 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more Call 1.800 DISCOVER 1347.26831 for fast, easy self service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. cast Date ate Mar 28 Mar 28 INTERNET PAYMENT • THANK YOU IS .15000 Information For You Balance Transfer efforts) for current billing period: Doily Periodic Rale 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% Finance Charge Summary Average Daily Balances current billing period 31 days Purchases Ba1MrJr4SS747 $6122 64 $o $850 85 Daily Periodic Rates 0 033$3% 0 05751% 0 0106B% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE PAT 12 24% V 20 99% F 390ro F 12 24% 20 99% 3 90% The rates that apply to your Account are either fixed (F) or they may vary IV) an noted above FINANCE CHARGES $63 64 $0 $2 80 Transaction FINANCE CHARGES $0 $0 DISC VER New Balance $6,795.99 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $135.00 Payment Due Dale May 29, 2009 Address, email or telephone change2 Print change in space above, or go to Discover cam Print your e.mml address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below 1 Please make check payable to Discover Card or pay online et Discovercard coin PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510067959900000000013500 Discover Motiva Card Account Summary Closing Date; May 3, 2009 Account number ending in Payment Due Dale Minimum Payment Due Credit Limit Credit Available Cash Credo Limit Cash Credit Available 3208 May 29, 2009 $.135 00 $7,800 00 $1,004 00 $2,000 00 $1,004 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 2 $6,891 66 16000 0 00 + 000 + 000 + 64 33 ▪ $6,795 99 You may be able to ovoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonus® Since Anniversary Month August $129 31 Pay -On -Time Bonus(SM) Updale 1 on -lime payment was received Simply make 5 more on -time payments in a raw to earn a Pay- OnTirne Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance $ 69 79 + 0 00 9,79 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDB (assistance for hearing impaired) see reverse side 1 Visit Discever.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Coll 1.800. DISCOVER 1347.2683) for fast, easy self. service options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payment; and Credits Award and Rebate Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Apr 25 Apr 25 INTERNET PAYMENT - THANK YOU Apr 10 Apr 10 REWARD REDEMPTION CREDIT -10000 -60 00 Information For You Balance Transfer offer's) for current billing period: Daily Periodic Rate 0 01093 0, corresponding ANNUAL PERCENTAGE RATE 3 99% 30196747 Great summer savings are lust a click away) Earn 5% to 20% Cashback Bonus)R) every day at over 100 top retailers like Seal s, BestBuy cam, and Lands' End through our exclusive online shopping site, ShopDiscovoi (3M) Just visit Discover com /shop todayl DISC VER it pays to DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: May 3, 2409 1,002°12 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodkc Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchases $6185 57 0 03353% 12 24% V 12 24% $62 22 $0 C�sf�fjdvc nags $0 0 05751% 20 99% F 20 99% $0 $0 Boliidt "l�b L47 $659 18 0 01068% 3 90% F 3 0 $2 I 1 $0 The vales that apply to your Accounl are etlher fixed (F) or they may vary 1V) as naiad above Questions? Manage your account al Discover.com or call 1.800•DISCOVER (1. 800.347- 2683). DISC VER' New Balance $6,727.77 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1 802 Minimum Payment Due $134.00 Payment Due Date June 28, 2009 Address, e-mail or telephone change: Print change in space above, or go to Discover com Print your e•mod address to receive important Account information and special offer. Account Number ending in 3208 Enter Amount Enclosed Below $ . 1 Please make check payable to Discover Card or pay online 01 Drscovercaid corn PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510067277700000000013400 Discover Motiva Card Account Summary Closing Date: June 3, 2009 Account number ending in 3208 Previous Balance Payment Due Dale June 28, 2009 Payments And Credits - Minrmum Payment Due $134 00 Purchases + Credit Limit $7,800 00 Cash Advances + Credit Available $1,072 00 Bolonce Transfers + Cash Credit Limit $2,000 00 Finance Charges 4 Cash Credit Available $1,072 00 New Balance = You may be able to ovoid Periodic Finance Charges, see the reverse side for details page 1 of 2 $6,795 99 135 00 0 00 0 00 0 00 66 78 $6,727 77 Cashback Bonus'' Cashbook Bonus® Since Anniversary Month August $129 31 Pay-On -Time Bonus(SM) Update 2 on -time payments have been received Just make 4 more on -lime payments in a row to earn a Pay-On -Time Bonus! Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance $ 979 + 0.00 $ 9.79 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for hearing impaired) see reverse side Vrsii Discover,com fo pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1.800.DISCOVER '347.2683) for fast, easy selbservice options or to spook with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dote May 29 May 29 INTERNET PAYMENT - THANK YOU .135 00 Information For You Balance Transfer offers) for current billing period: Daily Periodic Rafe 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% 301 96747 Save limo Pay your bill online It's easy, convenient, secure and free Just log in or register at the Account Center an Discover com and your payment will be posted the some business day -- up to 5 pm Eastern lime DISC VER' IF pays ro DISC VER' AMANDA D BEAHM Account number ending in 3208 Closing Date: June 3, 2009 page 2 of 2 Finance Charge Summary Promotion Receive a 1 90% APR on all purchases mode at Carnival Cruse Merchants through 07/31/09 Daily Periodic Rafe 000521% Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Roles RATES RATES CHARGES CHARGES current billing period 3 I days Purchases 36249 14 0 03353% 12 24% V 12 24% $64 96 $0 Co_sti Advances 30 0 05751% 20 99% F 20 99% $0 $0 Bliil 3553 01 0 01068% 3 90% F 3 90% $1 82 $0 The rates that apply to your Account are either fixed (F) at they may vary (V) as naled above Questions? Manage your account al Discover.com or call 1- 800 - DISCOVER j1- 800 - 347 - 2683). DISC VER New Balance $6,676.11 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Plumber ending in 3208 $133.00 Enter Amount Enclosed Below Payment Due Dale July 29, 2009 Please make check payable to Discover Card or pay online R Discovercard cam $ -. PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your email address to receive important Account information and special offer 000001986458703127510066761100000000013300 Discover Motiva Card Account Summary Closing Date: July 3, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending in 3208 Payment Due Dote July 29, 2009 Minimum Payment Due $133 00 Credit Limit $7,800 00 Credit Available $1,123 00 Cash Credit limit $2,000 00 Cash Credit Available $1,123 00 page I of 2 $6,727 77 13500 1833 4 000 + 000 + 65 01 $6,676 11 You may be able to avoid Periodic Finance Charges, see the revere side For details Cashback Bonus" Coshbock Sonusa Since Anniversary Month August $129 35 You're halfway there Just make 3 more on -time payments in a row and you'll earn a Pay- On-Time Bonus(SM) Opening Cashback Bonus Balance Plew Cashback Bonus This Period Cashback Bonus Balance $ 9 79 .... .... ._.....0 04 $ 9.83 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For MD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Call 1.800•0ISCOVER (347 - 2683) for fast, easy self•servrce options or to speak with a Customer Service Account Manager 3 Ware us of Discover Cord, PO Box 30943, Soft lake City, UT 84130 Transactions Payments and Credits Gasoline $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Jun 27 Jun 27 INTERNET PAYMENT - THANK YOU Jun 4 Jun 4 SHELL 57543471007 ENOLA PA $ •135 00 18 33 Information For You Balance Transfer offerls) for current billing period: Daily Periodic Rate 0 01093%, corresponding ANNUAL PERCENTAGE RATE 3 99% 30196747 Fall fashions breaking the bank? Shop back- laschoot sales through our exclusive online shopping site ShopDiscover(SM11 Earn 5% la 20% Cashback Bonus(R) at your favorite online retailers like Gap, lands' End, JCPenney and many more Visit Discover com /shop today) DISC VER It pays as DISC VER AMANDA D BEAHM Account number ending in 3208 Closing Date: July 3, 2009 page 2 of 2 Finance Charge Summary Promotion Receive a 1 90% APR on all purchases made at Carnival Cruse Merchants through 07/31/09 Daily Periodic Rale 0 00521% Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period 30 days Purchases $6331 79 0033$3% 12 24% V 12 24% $63 69 $0 Gash Advances $0 0 05751 % 20 99% F 20 99% 30 30 B 96747 $414 22 0 01068 *(0 3 90% F 3 90% $1 32 $0 The rates that apply to your Account are either fixed (Fl or they may vary IV) as noted above Questions? Manage your account at Discover.com or call 1- 800 - DISCOVER (1.804. 347 - 2663). DISC VER New Balance 56,593.46 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 $131.00 Enter Amount Enclosed Below Payment Due Dole August 29, 2009 Address, e-rnad or telephone change Print change in space above, or go lo Discover tom Print your email address to receive important Account information and special offers sr Please make check payable to Discover Card or pay online Discovercord com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510065934600000000013100 Discover Motiva Card Account Summary Closing Date: August 3, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available in 3208 August 29, 2009 $131 00 $7,800 00 $1,206 00 $2,000 00 $1,206 00 page 1 of 1 $6,676 11 150 0D + 0 0D + 0 0D + 000 + 67 35 $6,593 46 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashback Bonuses Since Anniversary Month August $129 35 Pay -On -Time Bonus(SM) Update 4 on -lime payments have been received Just make 2 more on -Irma payments in a row to earn a Pay-On.Time Bonus! Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 9 83 + 0.00 $ 9.83 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD lassislance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more Call 1.800 - DISCOVER 1347.2683) for fast, easy sell - service options or to speak with a Customer Service Account Manager Write us of Discover Cord, PO Box 30943, Salt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud Liability Guarantee Use your Discover Cord with confidence Trans. Post Date Date Jul 25 Jul 25 INTERNET PAYMENT - THANK YOU $ -150 00 Finance Charge Summary Average Daily Balances current billing period 31 days Purrch. hhasesggnyy�� $6396 86 so BWddc'ld6r647 $263 45 Doily Periodic Rates 0 03353% 0 05751% 0010680 Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE 12 24% V 2099% F 390% F 12 24% 20 99% 3 90% The rates that apply to your Account are either roped IF) or They may vary (V) an noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES 866 49 80 $0 $0 $0 86 $0 DISC VER New Balance $6,521.08 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Accounl Number ending in 3208 $130,00 Enter Amount Enclosed Below Payment Due Dale September 28, 2009 Please make check payable to Discover Cord or pay online E4 Discovercard coin PO BOX 71084 CHARLOTTE NC 28272 -1084 Address, e-mail or telephone changes Print change in space above, or go to Discover corn Print your e-mail address to receive important Account information and special offers 000001986458703127510065210800000000013000 Discover Motiva Card Account Summary Closing Date: September 3, 2009 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance Account number ending in Payment Due Dale Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cosh Credit Avadable 3208 September 28, 2009 $130 00 $7.800 00 $1,278 00 $2,000 00 $1,278 00 page 1 of 2 $6,593 46 14000 + 0OD + 0 0D + 000 + 67 62 $6,521 08 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonus' Cashbook Bonus® Anniversary Month August 1 on -time payment to got Make at least your Minimum Payment Due by the Payment Due Dale and earn your next mondt's interest as a Pay- Ondime Bonus(SM) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 9 83 i. 0,00 $ 9,83 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 2 3 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more Call 1.800 - DISCOVER 1347-26831 For fast, easy self-service options or lo speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Sdt Lake City, UT 84130 Transactions Payments and Credits $0 Fraud liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Aug 28 Aug 28 INTERNET PAYMENT - THANK YOU -140 00 Finance Charge Summary Average Daily Balances current billing period 31 days PBurrchhasses S liabrgg 6 i7 $6463 68 $0 $130 85 Daily Periodic Roles 0 03353% 0 05751% 001068ro Nominal ANNUAL ANNUAL RATPERCENTAGE PERCENTAGE EERNTAGE 12 24% V 20 09% F 3 90% F 12 24% 20 09% 3 90% The tales that apply to your Account ore either Fixed [F) or They may vary M as noted above Periodic FINANCE CHARGES $o7 19 $0 $0 43 Transaction FINANCE CHARGES $o $0 $0 Sign up nowt Gat DOUBLE Cashback Bonus1R) on your first $500 in purchases at grocery stores during September and October It's free and easy Just go lo Discover corn/double or call 1 .800- DISCOVER (I. 800. 347.2683) DISC VER New Balance 85,451.41 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due. $ 108.00 Payment Due Dale October 29, 2009 Address, e-mail or telephone changeg Print change in space above, or go to Discover tom Print your e-mail address to receive important Account information and special offer: Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510054514100000000010800 Discover Motiva Card Account Summary Closing Date: October 3, 2009 Account number ending in 3208 Previous Balance Payment Due Date October 29, 2009 Payments And Credits Minimum Payment Due $108 00 Purchases Credit Limit 87,800 00 Cash Advances Credit Available $2,348 00 Balance Transfers Cash Credit limit $2,000 00 Finance Charges Cosh Credit Available $2,00000 New Balance page 1 of 1 $6,521 08 1,13000 + 0 00 + 0 00 + 0 00 + 60 33 = $5,451 41 Cashback Bonus') Cashbock Bonus Since Anniversary Month August $60 33 CONGRATULATIONS' You earned $ 60 33 as a Pay -On -Time Bonus1SM1 Visit Discovorcard com or call 1 -800- DISCOVER (1.800.347 -2683( to redeem your reward' Opening Cashback Bonus Balance New Cashback Bonus This Period Pay- On-Tlme Bonus Everywhere Else Cash back Bonus Balance $ 9 83 + 60 33 0 00 $ 70.16 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assisionce for hearing unpaired) see reverse side 1 Visul Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2 Call 1-800-DISCOVER 1347 -2683) for fast, easy self - service options or io speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Sall Lake City, UT 84130 Transactions Payments and Credits 80 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Sep 13 Sep 13 INTERNET PAYMENT - THANK YOU Sep 16 Sep 16 INTERNET PAYMENT - THANK YOU Sep 25 Sep 25 INTERNET PAYMENT - THANK YOU 8 -500 00 .30 00 -600 00 Finance Charge Summary current billing period 30 days Purchases qq,,��gg Average Daily Balances $5996 55 $0 $6 80 Daily Periodic Roles 0 03353% 0 05751% 001068% Nominal ANNUAL ANNUAL PARENTAGE PPEERCENTAGE TES 1224% V 20 99% F 390% F 12 24% 20 99% 3 90% The rales that apply to your Account are either fixed (F) or they may vary (V) as noted above Periodic FINANCE CHARGES $60 31 $0 $002 Transaction FINANCE CHARGES $0 $0 $0 1 DISC VER. New Balance $5,357.81 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 $107,00 Enter Amount Enclosed Below Payment Due Date November 28, 2009 Please make cheek payable to Discover Card or pay online @ Ducovercard cam PO BOX 71084 CHARLOTTE NC 28272 -1084 Address, e-mail or telephone change Print change in space obove, or go to Discover can Print your email address to receive important Account information and special offers 000001986458703127510053578100000000010700 Discover Motiva Card Account Summary Closing Date: November 3, 2009 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cosh Credit Limit Cosh Credit Available 3208 November 28, 2009 $107 00 $7,800 00 $2,442 00 $2,000 00 $2,000 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 55,451 41 15000 + 0 00 + 0 0D + 0 00 + 56 40 _ $5,357 81 Cashback Banuse Cashback Bonus@ Since Anniversary Month August $00 33 Pa .On -Time Bonus(SMJ Update 1 on-time payment was received Simply make 5 more on -limo payments in a row to earn a Poy- On.Trme Bonus! Opening Coshback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 7016 • 0.00 5 70,16 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Cord available For TDD (assistance for heanng unpaired) see reverse side 1 Visit Discover.com lo pay your bill far no cost, view our latest Account,iniormohon, earn and redeem rewards and more 2 Coll 1- 800 - DISCOVER (347 -2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3 Write w at Discover Cord, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits 50 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Oct 24 Oct 24 INTERNET PAYMENT . THANK YOU $ -15000 Finance Charge Summary Average Daily Balances current billing period 31 clays Purchases $5425 59 Cy,s� Advance• B4kirJci96 47 $o of Daily Periodic Rates 0 03353% 005751% 001068% Nominal ANNUAL ANNUAL PERCENTAGE PERCENTAGE I2249 V 20 99% F 3 90% F 12 24% 20 99% 3 90% The rates that apply to your Account are either Fixed (Flo' They may vary (V) as noted above Transaction Periodic Fee FINANCE FINANCE CHARGES CHARGES $56 40 $0 $0 $0 $0 $0 DISC VER New Balance $5,291.44 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 Minimum Payment Due Account Number ending in 3208 $105.00 Enter Amount Enclosed Below Payment Due Date December 29, 2009 Address, e-mail or telephone change Print change in space above, or go to Discover com Print your a -mod address to receive important Account information and special offers Please make check payable lo Discover Card or pay online @ Discover-card com PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510052914400000000010500 Discover Motive Card Account Summary Closing Date: December 3, 2009 Account number ending Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit Cash Credit Available In 3208 December 29, 2009 $10500 $7,800 00 $2,508 00 $2,00000 $2,000 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance poge 1 of 1 $5,357 81 12000 + 0 00 4 0 00 + 0 0D + 53 03 $5,291 44 Cashback Bonus' Cashback Bonus® Since Anniversary Month August $60 33 Pay -On -Time Bonus(SM) Update 2 on -time payments hove been received Just make 4 more on -time payments in a row to earn a Pay -On -Time Bonus! Opening Cashback Bonus Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance $ • 70 00 $ 20,16 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impoiredl see reverse side 2 3 Von Discover.com lo pay your bill for no cost, view our latest Account information, earn and redeem rewards and more Coll 1.800.DISCOVER (347.2603) for fast, easy self.service options or to speak with a Customer Service Account Manager Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits $0 fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Dote Nov 21 Nov 21 INTERNET PAYMENT . THANK YOU .12000 Finance Charge Summary Average Doily Balances current billing period 30 days Purchases $5331 84 Cosh_ Advances $0 Baai96747 $0 Daily Periodic Rates 0 03353% 005751% 0 01068 0 Nominal ANNUAL ANNUAL PERCENTAGE E ENTAGE PE 12 24% V 20 99% F 3 90% F 12 24% 20 99% 3 90% The rates That apply b your Account are either Fixed IF) or they may vary {VI as noted above Periodic FINANCE CHARGES $53 63 $0 so Transaction FINANCE CHARGES so so $0 DISC VER New Balance $5,231.37 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due S105.00 Payment Due Date February 1, 2010 Address, e-mail or telephone changetl Print change in space above, or go to Discover com Print your e-mail address to receive important Account information and special offers Account Number ending in 3208 Enter Amount Enclosed Below Please make cheek payable to Discover Card or pay online ' Drscovercord tom PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510052313700000000010500 Discover Motiva Card Account Summary Closing Date: January 3, 2010 Account number ending Payment Due Dale Mintrnum Payment Due Credit limit Credit Available Cash Credit Limit Cosh Credit Available in 3208 February 1, 2010 $105 00 $9,400 00 £4,168 00 $2,400 00 $2,400 00 Previous Balance Payments And Credits Purchases Cash Advances Balance Transfers Finance Charges New Balance page 1 of 1 $5,291 44 11500 + 000 + 000 + 000 + 54 93 $5,231 37 Cashback Bonus' Cashback Bonus® Since Anniverso ry Month August $60 33 You're halfway there Just make 3 more on -time payments in a row and you'll earn a Pay -On -Time Banus(SM) Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance 20 16 0.00 20,16 How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available For TDD (assistance for hearing impaired) see reverse side 1 Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more 2 Call 1- 800 - DISCOVER 1347 -2683) for fast, easy self.serwce options or to speak with a Customer Service Account Manager 3 Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions Payments and Credits SO Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Dote Date Dec 26 Dec 26 INTERNET PAYMENT - THANK YOU $ -11500 Finance Charge Summary Average Daily Balances current billing period 31 days Purchase* Cask BstTddc196747 $5284 71 So $0 Daily Periodic Rotes 0 03353% 0 06573% 0 01068% Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES 12 24% V 23 99% V 3 90% F 12 24% 23 99% 3 90% The rates That apply to your Account are either fixed (F) or they may vary (V) as noted above $54 93 $0 $0 $0 DISC VER New Balance Minimum Payment Due. $5,175.83 $104.00 Enter Amount Enclosed Below Account Number ending in 3208 Payment Due Date March 1, 2010 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e•mail or telephone changez Go to www•Discover,com or print change in space above Please pay online @ www Discover corn or make check payable to Discover Pay- On•Ttme Bonus(SM) Update 4 on -time payments have been received Just make 2 more on -time payments in a row 10 earn a PorOn -Time Bonusl PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510051758300000000010400 Opening Date: January 4, 2010 - dosing Date: February 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance .See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $5,231 37 11000 + 0 00 + 0 00 + 0 00 + 54 46 + 0 00 $5,175 83 Following transactions $9,400 00 $4,224 00 $2,400 00 $2,400 00 r' See transaction detail for a description of any lees charged Cashback Sonusn Anniversary Month August Opening Cashback Bonus Balance $ 20 16 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 20,16 1a learn more IN .n al www.Discover.com and sexed Rewards 3 Easy Ways to Contact Us Access your account securely at www.Discoeer,com 2 CaR 1- 800. DISCOVER 11.800- 347 -2683) Please have your Discaver111' card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunicolions Device for the Deaf} assistance, please call 1.1300- 347 -7449 page 1 of 2 Payment Information New Balance $5,175 83 Minimum Payment Due $104 00 Payment Due Date March 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up 10 $39 00 and your purchase APRs for new transactions may be increased up lo the Default APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no • addilienal charges uatng this card and eoth month you pay. `You will pay off :the balance shown on this statement In about . And you will end up paying on estimated total of Only the minimum payment 10 years $7,884 $173 3 years r $6,210 (Savings v $1,674 1 If you would like information about credit counseling services, call 1. 800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Poydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM - -- -find easy ways to earl) and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits 30196747 Trans. Post Date Dale Jan 30 Jan 30 INTERNET PAYMENT • THANK YOU $ -11000 See reverse side DISC•VER DISC VER It pays to DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $5,24001 003353% 12 24% V 12 24% $54 46 $0 Cash Advances $0 0 06573% 23 99% V 23 09% $0 $0 V = Variable Rale Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any pafian of a new purchase, paid within 25 days of the Closing Date on this billing statement 30196747 Questions? Visit www.Discover.com or call I -800- DISCOVER (1 -800- 347. 2683). DISCOVER DISC VER New Balance $5,108.91 AMANDA D BEAHM 19 ANNETTE DR E.NOLA PA 17025.1802 Minimum Payment Due $103,00 Payment Due Dale April 1, 2010 Address, email or telephone change Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please pay online © www Discover coin or make check payable to Discover 1 on -time payment to got Make of least your Minimum Payment Due by the Payment Due Date and earn your next month's interest os o PayOn -Time Bonus(SM) PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510051089100000000010300 Opening Date: February 4, 2010 - Closing Date: March 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees 1 New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cash Advance Credit [Inc Cash Advance Credit Line Available $5,175 83 115 00 + 0 00 + 0 00 + 0 00 + 48 08 + 0 00 $5,108 91 following transactions $9,40000 $4,291 00 $2,400 00 $2,400 00 t" See transaction detail far a description of any fees charged Cashback Bonus' Anniversary Month August Opening Cashback Bonus Balance $ 20 1 s New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 20.16 To 'corn woe lag .n ar www.Discover.cem awl retast R ewards 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.com 2 Call 1.800-DISCOVER (1.800. 347 -26831 Please hone your Discover " card available 3 Write to us at Discover, PO Box 30943, Sall Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf( assistance, please call 1.000. 347 -7449 page 1 of 2 Payment Information New Balance $5,108 91 Minimum Payment Due $103 00 Payment Due Dale April I, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a lute fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If yati mike no additional charges using; Ihili card and each month you pay 'You will pay off the balance shown an its statement In about And you will end up paying an estimated total vt . Only the minor um payment 14 years $9,127 $170 3 years $6,130 (Savings = $2,9971 If you would like information about credit counseling services, call 1- 800 -347 -1 121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth maroSM -- -find easy ways to earn and redeem cosh rewards NEWI Access your account securely through your mobile phone Transactions Payments and Credits 30196747 Trans. Post Date Date Feb 13 Feb 13 INTERNET PAYMENT - THANK YOU 8 -115 00 See reverse side DISCiVER DISC VER It pays to DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $5,121 05 0 03353% 12 24% V 12 24% $48 08 $0 Cash Advances $0 0 06573% 23 99% V 23 09% $0 $0 V = Variable Rate Information For You Notwrthstandmg the payment due dale on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on That billing statement, we will not Impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portian of o new purchase, poid within 25 days of the Closing Date on this billing statement 30196747 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1 -800- 347 - 2683). DISC•VER DISC VER New Balance $5,059,04 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due Account Number ending in 3208 S102.00 Enter Amount Enclosed Below Payment Due Dale May 1, 2010 Address, e-mail or telephone change Go to www.Discover,com or print change in space above $ Pay online of www Discover corn or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting CONGRATULATIONSI You earned $ 53 13 as a Po•On -Time Bonus(SM( Visit Discovercard corn or call 1.800•DISCOVER (1.800. 347.2683) to redeem your rewardl PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510050590400000000010200 Opening Date: March 4, 2010 - Closing Date: April 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credd Line Available $5,108 91 103 00 + 0 00 + 0 00 + 0 00 + 5313 0 00 $5,059 04 following transactions $0,400 00 $4,340 00 $2,400 00 $2,400 00 See transaction detail for a description of any fees charged Cashback Bonus' Opening Cashback Bonus Balance New Coshback Bonus This Period Pay -On -Tome Bonus + 53 13 Everywhere EIse + 000 Cashback Bonus Balance $ 73.29 To koar, roan: ki11 inoiwww.Discover.com aril ulcer Rewards Anniversary Month August $ 20 16 3 Easy Ways to Contact Us I Access your account securely al www,Discaver,com 2 Call 1- B00.DISCOVER (1. 800-347.2683( Please have your Discoverocard available 3 Write to us of Discover, PO Box 30943, Sall Lake City, UT 84130 For TDD 1Telecommumcotions Device For the Deaf( assistance, please call 1.800- 347.7449 page 1 of 2 Payment Information New Balance $5,059 04 Minimum Payment Due $102 00 Payment Due Date May 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale hsled above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay mote in interest and It will take you longer to pay off your balance For example Ifyou make no additional charges using This surd and each month you pay You will payoff the balance shown on this statement in about And you will end up paying an estimated total of • Only the minimum payment 14 years $9,024 $169 3 years $6,070 (Savings = $2,9541 f you would like information about credit counseling services, call 1.800347.1121 Manage Your Account Online at www.Discover,com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewords NEWT Access your account securelylhrough your mobile phone Transactions Payments and Credits 30196747 Trans. Post Date Date Mar 28 Mor 28 INTERNET PAYMENT - THANK YOU -10300 Sae reverse side DISCOVER- DISC YEW tt pays to DISC VER AMANDA D BEAHM Account number endFng to 3208 page 2 al 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing period 31 days Balances Periodic c RATEESSNTAGE RATES CHARGES CHARGES CHARGES Purchases $5,111 AO 0 03353% 12 24% V 12 24% $53 13 $0 cash Advances $0 0 06573% 23 99% V 23 09% $0 $0 V = Variable Rate 30196747 Questions? Visit www.Discover.com or call I - 800 - DISCOVER (I -800- 347 - 2683). DISCOVER' DISC VER New Balance S5,405.07 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 Minimum Payment Due Account Number ending in 3208 5101.00 Enter Amount Enclosed Below Payment Due Dale June 1, 2010 Address, e-mail or telephone change2 Go to www.Discover,cam or print change in space above Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting Pay- On.Time Bonus(SM) Update 1 on -lime payment war received Simply make 5 more on4ime payments in a row to earn a ParOrnl'ime Bonusl PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510050050700000000010100 Opening Date: April 4, 2010 - Closing Date: May 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Finance Charges Other Fees t New Balance See Finance Charge Summary section For detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $5,059 04 105 00 + 000 + 0 00 + 000 • 51 03 + 000 $5,005 07 following transactions $9,400 00 $4,394 00 $2,400 00 $2,400 00 t See transaction detail for o description of any fees charged Cashback Bonus' Anniversary Month August Opening Cashback BMus Balance $ 73 29 !slew Cashback Bonus This Period f 0 00 Redeemed This Period 50 00 Cashback Bonus Balance $ 23.29 1'o icro,n mwe loom co www.Discover.co in and ubci Rewards 3 Easy Ways to Contact Us I Access your account securely of www,Discover,com 2 Call 1- 800 - DISCOVER 11. 800 - 347 -2683) Please have your Discoverl,card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 For MD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449 page 1 of 2 Payment Information New Balance $5,005 07 Minimum Payment Due $101 00 Payment Due Date June 1, 2010 Late Payment Warning: It we do not receive your minimum payment by the date listed above, you may have to pay a Joie fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Delaull APR of 17 24% variable Minimum Payment Warning:1) you make only the minimum payment each period, you will pay more in Interest and it will take you longer to pay off your balance For example if' you- make no additional charges using this card and each month you pay You will pay off the balance shown Oa this statement in about And you will end up paying an estimated total of Only the minimum payment 14 years $8,916 $167 3 years $6,005 (Savings = $2,91 1 ) f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm- -find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits 30/ 96747 Trans. Post Date Date May 1 May 1 INTERNET PAYMENT - THANK YOU $ .10500 See reverse side DISC•V ER DISC VER 1t pot's to DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period 30 days Balances Rates RATES RATES CHARGES CHARGES Purchases $5,073 21 0 03353% 12 24% V 12 24% $51 03 $0 Cash Advances $0 0 06573% 23 99% V 23 09% $0 $0 V = Variable Rate 30196747 Questions? Vtsi1 www.Discover.com or call 1- 800 - DISCOVER (1- 800 - 347- 2684 DISCOVER' DISC VER New Balance $4,952.11 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 Minimum Payment Due $100.00 Payment Due Dote July 1,2010 Address, e-mail or telephone changes Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below si Pay online at www Discover coin or make check payable to Discover Phone and internet payments must be made by 5 OOpm ET for same day posting Pay.On•Time Bonus)SM) Update 2 ondime payments have been received Just make 4 more on -time payments in a raw to earn a Pay -On -Time $onust PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510049521100000000010000 Opening Dale: May 4, 2010 - Closing Date: June 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Finance Charges Other Fees t New Balance $5,005 07 105 00 + 0 00 + 0 00 + 0 00 + 52 04 + 0 00 $4,952 11 See Finance Charge Summary section following transactions for detailed APR information Credit Line $9400 00 Credit line Available $4,447 00 Cash Advance Credit Line 32,400 00 Cash Advance Credit Line Available $2,400 00 r See transaction detail for o description of any Fees charged Cashback Bonus° Anniversary Month August Opening Cashback Bonus Balance $ 23 29 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 23.29 To learn more log m ai www.Dtscovor.com end ieteei Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800- DISCOVER (1. 800. 347.2683) Please have your Discover' card available 3 Write to us of Discover, PO Box 30943, Sall Lake City, UT 84130 For IDD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449 page 1 of 2 Payment Information New Balance $4,952 11 Minimum Payment Due $100 00 Payment Due Date July 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a fate fee of up to $39 00 and your purchase APRs for new Transactions may be increased up to the Default APR of 17 24% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example I Fyou make no additional charges using this card and each month you pay You will pay off the balance shown on this statement ' in about And you will end up paying an "osll.nialed total Of . Only the minimum payment 13 years $8,806 $165 3 years $5,942 'Savings = $2,8641 1 you would like information about credit counseling services, call 1800. 347.1121 Manage Your Account Online at www.Discover.com Access fret online tools Irks Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all Iransactons Make your money worth more m •• find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits 30196747 Trans. Post Date Date May 28 May 28 INTERNET PAYMENT - THANK YOU $ .105 00 See reverse side DISCOVER DISC VER lDIsc VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Finance Charge Summary current tilling period 31 days Purchases Cash Advances V = Variable Rate 30196747 Nominal Other Average Dally ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Boloncea Rates RATES RATES CHARGES CHARGES $5,006 59 0 03353% 12 24% V 12 24.% $52 04 $0 $0 0 05573% 23 99% V 23 99% $0 $0 Questions? Vtsit www.Diseover.com or call 1- 800 - DISCOVER (1- 800.347- 2684 DISC•VER` DISC VER New Balance 54,891.67 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 1 7025 -1 802 Minimum Poyment Due 598.00 Payment Due' Date August 1, 2010 Address, e-mail or telephone change Go to www.Discover.com or print change In space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting You're hallway there Just make 3 more on -time payments in a row and you'll earn a Pay-OreTime Bonus(SM) PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510048918700000000009800 Opening Date: June 4, 2010 - dosing Date: July 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cosh Advances Interest Charged Fees Charged New Balance $4,952 11 11000 + 000 + 000 + 000 49 76 0 00 $4,891 87 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Availoble Cash Advance Credit Line Cash Advance Credit Line Available 49,400 00 $4,508 00 $2,400 00 $2,400 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashbock Bonus This Period Cashback Bonus Balance To kw. nmw, Ic.n m„rwww,Discover.cam Anniversary Month August $ 23 29 + 0 00 S 23,29 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call 1- 800 - DISCOVER 11. 800. 347 -2083 Please have your Drscoverecard avarlobe 3 Write to us of Discover PO Box 30943, Soli Loire Cry, UT 84130 (Not a payment addressl For payments, (ease send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 Far TDD ITelecommunicatrons Device for the Deaf) assistance, please call 1.800. 347 -7449 page 1 of 2 Payment Information New Balance $4,891 87 Minimum Payment Due $98 00 Payment Due Dote August 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late lee of up to $39 00 and your purchase APRs for new transactions may be Increased up to the Penalty APR of 17 24% voriable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional chorges using INS card Gaff each month you pay You will pay off the balance shown an hi sl'atelrlent in about And you will end up paying an estrmofed total of . Only the minimum payment 13 years $8,686 $163 3 years $5'870 (Savings = $2,8161 If you would like Information about credit counseling services, call 1- 800.347 -1121 Manage Your Account Online at www,Discaver.com Access free online tools like Paydown Planner to creole a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth rnore`m —find easy ways to earn and redeem cash rewards NEW Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jun 26 Jun 20 INTERNET PAYMENT • THANIK YOU $ -11000 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30/96747 INTEREST CHARGE ON PURCHASES $ 49 76 INTEREST CHARGE ON CASH ADVANCES 0 00 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 49.76 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Tess clutter, more convenience Easily access up is 24 months of downloadable, password protected statements • See your statement as soon as is available rather than wart for it to arrive in your mailbox. • Get helpful payrnent reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Srgn up today at Discover.com /paperless u.;'LCJ 10 Diva w M flunk fdnmher 1-0 C. r'APtx (1 :1 I 0 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30196747 $ 000 363 43 Questions? Visit www.Discover.com or call I - 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER` it pays to DISC VER AMANDA D BEAHM Account number ending in 3208 page 2of2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual mleres+ rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $4,946 89 $0 INTEREST CHARGE $49 76 $0 Additional Important Information. See your Cardmember Agreement. Your Curdmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800.347.2683. What To Do ff You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at Discover, PO Box 30421, Solt Lake City, UT 84130-0421 In your letter, give us the following information &count inhumation Your name and account number Dollar amount The dollar amount of the suspected error acieriptecelstiProliern If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to poy iFe amount in queshon While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remora on your statement, and we may continue to charge you interest on that amount But, if we determine That we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question. you are responsible for the remainder of your balance We can apply any unpaid amount agomst your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the Goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant. you may have the right nol to pay the remaining amount due on the purchase To use This right, all of the following must be true 1 The purchase mutt have been mode in your home state or within 100 miles of your current mailing address, and the purchase price roust have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we moiled to you , or if we own the company that sold you the goods ar services ) 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130 -0945 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of fhe check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account cis soon as the some day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other hems with your payment, if you end the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing hxildy by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery IF your payment re returned unpaid, we reserve the right to resubmit it as an electronic debit 30/ 96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCSVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments -through a customer service representative by calling 1. 800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale (eg the 15th day (Attie month) that occurs before your Payment Due Date II your scheduled payment date Falls on a weekend or bank holiday, your payment will be processed the busmen day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bonk account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bonk to deduct each payment you authorize, in the amount selected by you, from your bank occount You also authorize us. to in tiote debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800. 347.2683 or by mail at Discover, PO Box 30421 Safi Lake Coy, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly belling statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (e) statement New Balance, (n) statement Minimum Payment Due, (ml statement Minimum Payment Due plus o fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due lithe scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Catdmember Agreement ITyaur scheduled payment re greater than the New Balance on your billing slalemenl, that payment will be processed only For the amount of your New Balance Your automatic payment amount moybe less than the amount indicated on the periodic statement based on credit: or payments after the Closing Date If you enroll by phone in our automatic payment service, please filler; the following blanks below and retain the authorization for your records r Amount Full Pay ;Min Pay Min Pay + S_._.__..., _ Fixed Pay$ Bank Routing 4 Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interests We begin to impose Interest Charges on all transactions From the Transaction Date for the transaction shown on your billing statement, unless o transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which It is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that Date onpurchases currefilet nt billing stater e t She Weicall Ibis billing e 'ounce period " portion is of less a than 25 days paid h a in the o Payment e r period h purchase, y There balance transfers or cash advances As mare fully descnbedp in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing ar delivery date of the statement on which the fee is billed You will receive this refund even if you use your Cord during That period How We Calculate Interest Charges • Daily Balance Method [including current transactions): We Figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance sublecf to different terms For example, standard purchases, standard cash odvances and each purchase, balance transfer and cash odvance balance sublets to promotional terms( We refer to these balances as transaction categories We Figure the "daily balance" for each transaction category To get the "doily balance" we take the beginning balance For each day, add any new transactions and fees and any !Mercer Charges accrued on the previous day's doily balance We Then subtract any credits and payments and make other adlustmants iincluding those oil ustments required in the section titled "Paying interest ") In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We Figure the Interest Charges on your Account by multiplying the daily balance for each transacion category by its daily periodic rate, For each day m the biting period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Dale shown on your billing statement, unless the transaction is posted to your Account after the close of the billing eriod in which it occurs, in which case the transaction will be added to the daily balance os of the first day of the billing period in which d is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transocton category Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $ 1 00 or more offer 6 months, or as otherwise required by applicable low For TDD (Telecommunications Device for the Deaf) assistance, please coil 1.800.347.7449. Discover may monitor and /or record telephone calls behveen you and Discover representatives for quality assurance purposes The Discovor`bcard is issued by Discover Bank, Member FDIC 011831/2 30196747 Questions? Visit www.Discover.cam or call 1 -800- DISCOVER (1 -800- 347. 2683 ). DISCOVER' DISC VER" New Balance S4,842.67 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 1 7025 -1 802 Minimum Payment Due $97.00 Payment Due Date September 1, 2010 Address, e-mail or telephone changez Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover com or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET tor some day pasting Pay- On-Time Bonus(SM} Update 4 on -time payments have been received Just make 2 more on•iime payments in a row to earn a Pay -On -Time Bonus! PO BOX 71 084 CHARLOTTE NC 28272.1084 000001986458703127510048426700000000009700 Opening Date: July 4, 2010 • Closing Date: August 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $4,891 87 Payments And Credits - 100 00 Purchoses + 0 00 Balance Transfers + 0 00 Cash Advances + 0 00 Interest Charged + 50 80 Fees Charged + 0 00 New Balance $4,842 67 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,400 00 $4,557 00 $2,400 00 $2,400 00 Cashback Bonus" Anniversary Month August Opening Cashbook Bonus Balance $ 23 29 New Cashbook Bonus This Period + 0 00 Cashbook Bonus Balance $ 23.29 to kmnmvia Icy muiwww,Discover,cam 3 Easy Ways to Contact Us 1 Access your account securely at www.Discuver,cam 2 Call 1. 800 4DISCOVER (1- 800 - 347 -2683) Please have your Drscoverecard available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TO0 (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449 page 1 of 2 Payment Information New Balance $4,842 67 Minimum Payment Due $97 00 Payment Due Date September 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Penally APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment eoch period, you will pay more in interest and it will take you longer to pay off your balance For example Ifyou make no • additional charges using this card and ach month you pay You will pay off the balance shown an this statement in about And you will end up paying an estrntated total of • Only the minimum payment 13 years $8,584 $161 3 years $5,81 1 (Savings = $2,7731 If you would like information about credit counseling services, call 1- 800-347-1121 Manage Your Account Online at www,Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more so —find easy ways to earn and redeem cash rewards NEW I Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jul 26 Jul 26 INTERNET PAYMENT. THANK YOU $ .100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 hTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 50 80 0 00 0 00 50.80 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wait for it to orrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today of Discover.com /paperless Ctrl 1 o 0Ixawer lf.mk 7.1r.rnbn FIYC PAPER 031 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30196747 $ 0 00 41423 Questions? Visitwww.Discover.com or call 1.800- DISCOVER (1- 800. 347 - 26831. DISCOVER DISC VER IDISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate JAPRJ its the annual interest rate on your account Current Bitling Period; 31 days TYPE OF BALANCE ANNUA RjERCENTAGE RATE Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate BALANCE TO NTES RATE $4,887 49 $0 INTEREST CHARGE $50 80 $0 Additional Important Information, Soo your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cords. Report immediately' Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City. UT 84130 0421 In your letter, give us the following information Amount.. information Your name and account number Dollar amount The dollar amount of the suspected error Peecctpflons .. lily, m 11 you think there is an error on your WI, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are True We cannot try to called the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any impend amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant. you muy have the right not to pay the remaining amount due on the purchase To use this right. all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of These era necessary 4 your purchase was based on an advertisement we mailed to you , or if we awn the company that sold you the goods or services! 2 You must have used your credit card for the purchase Purchases made with cash odvances from an ATM or with a check thee accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still di ssatrsfied with the purchase, contact us In writing at Discover, PO Box 30945, Salt Lake City, UT 84130 -0945 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at anytime However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic Fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your Financial institution The processing of your payment may be deloyed if you send cash, correspondence or other items with your payment, of you send the payment loony ocher address or If you use an envelope other ikon the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing Facility after 5PM local hme will be credited to your Account as of the next day If you have misplaced your envelope, send your payment lo Discover, PO Box 6103 Carol Scream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the ng(rl to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIOE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I- 800 - 347 -2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (e g , the 1Sth day of the month) that occurs before your Payment Due Date If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday in order to schedule monthly payments b tela one, you will need this statement and your bank account information You will be asked lo provide the last four (4f digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries io your bank account, as applicable, to correct an error in the processing of such payment You can cancel o scheduled payment by phone al 1.800- 347.2683 or by mad at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for li) statement New Balance, iii) statement Minimum Payment Due, (ii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment 0 not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement FF-your scheduled payment is greater than the New Balance on your billin statement, that payment will be processed only for the amount of your New Balance 'Your automatic. payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount 0 Full Pay Min Pay `-_, Mw Pay + $____ .___ n Fixed Bonk Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on -your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies eoch month If you believe That our report a inaccurate er incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on at transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction r: posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making ayments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will nor impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period 11 is not less than 25 days There a no Brace period on balance transfers or cash advances As more fury described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, rt will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the moiling or delivery dote of the statement on which the fee is billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method [including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the 'doily balance" we fake the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other ad lustments {including those adjustments required in the section Idled "Paying [Merest") In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance an the last day of your previous billing period This gives us the dairy balance for each transaction category We figure the interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period ore the sum of the daily Interest Charges for each transaction category for each day during that biding period When we calculate daily balances, we odd a new transaction as of the Transochon Dale Shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the Transaction will be added to the daily balance as of the first day of the billing period in which it rs posted to your Account All fees charged to your Account ore added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $ 100 or more alter 6 months, or as otherwise required by applicable law For TDD (Tetecomntunfcatlens Device for the Deaf} assistance, phase call 1.800. 3477449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discovermcard in issued by Discover Bank, Member FDIC orsxn1; 2 30196747 Questions? Visit www.Discover,com or call 1- 800 - DISCOVER (1- 800.347. 2683). DISCOVER' DISC VER New Balance Minimum Payment Due: $4,792.99 596.00 Payment Due Date October 1, 2010 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone changes Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below $ Pay online at www Discover cam or make check payable to Discover Phone and intemet payments must be made by 5 00pm ET tor same day posting 1 on -time payment to got Make at least your Minimum Payment Due by the Payment Due Date and earn your next month's interest as a Pay-On -Time Banus(SM) PO BOX 71 084 CHARLOTTE NC 28272-1084 000001986458703127510047929900000000009600 Opening Date: August 4, 2010 - Closing Date: September 3, 2010 Discover Motiva Carl Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $4,842 67 10000 + 0 00 + 0 00 + 0 00 + 50 32 + 0 00 $4,792 99 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,400 00 $4,607 00 $2,400 00 $2,400 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance ki iemn niwe log ni ar www.Discover.com Anniversary Month August $ 2329 + 0 00 $ 23,29 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1-800-DISCOVER 11.800.347.2483 Please have your Discoverecard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments,�pplease send to address an remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $4,792 99 Minimum Payment Due $96 00 Payment Due Date October 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24'6 variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges aging this 9atd and each month you pay You will pay off the balance shown an this stgtemenf in about And YOU will end up puma an esti.ntaled totgt of . Only the minimum payment 13 years $8,481 $160 3 years $5,751 (Savings = $2.7301 f you would like Information about credit aunselmg services, call 1.800. 347.1121 Manage Your Account Online at www,Discover.com Access free online Coals like Paydown Plainer to create a plan to pay down your balance, securely access slotements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Past Date Date Payments and Credits Aug 27 Aug 27 INTERNET PAYMENT . THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 50 32 0 00 0 00 50,32 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORNSA'TION DISCOVER Paperiess statements mean Tess clutter, more convenience Easily access up to 2.4 months of downtoadable, password protected statements • See your statement as soon os its available rather than wall for it to arrive in your mailbox. • Get helpful payment reminders Through c -moll or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today of Discover.com /paperless i'lOI ii Ormstooto hook .Moothn IOC. 'APER 0310 2010 Totals Year - to-Date TOTAL FEES CHARGED IN 2010 TOTAt INTEREST CHARGED IN 2010 30/96747 $ 0 00 464 55 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER' DISC VER It pays is DISC VER AMANDA D BEAHM Account number ending in 3208 page 2of2 Interest Charge Calculation Your Annual Percentoge Rale (APR) is the annual interest rate on your account Current Billing Period; 31 days TYPE Of BALANCE ANTE �A L PERCENTAGE Purchases 12 24% V Cash Advances 23 99% V V e Variable Rale BAIANCE SUBJECT TO INTEREST RATE $4,841 27 $0 INTEREST CHARGE $50 32 $0 Additional Important Information. See your Cardmember Agreement. Your Cardmemher Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2683. What Ta Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In you letter, give us the following information A mint nkomnottoo Your name and account number Dollar amount The dollar amount of the suspected error Dgs40ptianlf ,ololere If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mist You muss contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related ha that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights IF You Are Dissatisfied Wifh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant. you may have the right not to pay the remaining amount due on the purchase To use This right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was bawd on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writina at Discover, PO Box 30945, Sall Lake City, UT 8A130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any Time However, you must pay at least the Minimum Payment Due by the Payment Due Dole Send only your payment and the fop portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use informahon on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is pror.essed as an electronic fund transfer, the transfer will be for the amount of fhe check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not recerve your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you end the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any &el will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the net day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800.347 -2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale (e g , the 15th day of the month) that occurs before your Payment Due Dote II your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account 'formation You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authonze, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your lank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone al 1.800.347.2683 or by mail at Discover, PO Box 30421, Soh lake City, UT 84130.0421, however we must receive nonce at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S low You can of automatic payments for (r) statement New Balance, (u) statement Minimum Payment Due, {in) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the Now Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may Fie less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Minn the following blanks below and retain the authorization for your records Amount n Full Pay DMin Pay ❑ Mrn Pay + $.__.— Fixed Pay$_____. .__.._. Bank Routing # Bank Account # Frequency Credit Reporting. We moy report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at she following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the iran,action shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest chorges on that transaction from the first day of the billing period in which e r posted to your Account We continue to impose Interest Charges until the dote you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you poid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases Brat appearing on the current bolting statement, or an portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has on annual fee, a will be billed at the beginning of each anniversary year your Account is open The amount of the Fee appears on the statement when the fee is billed The annual fee is not refundable unless you non us that you wish to close your Account within 30 days of the mailing or delivery dote of the statement an which the fee is billed You will receive this refund even if you use your Card during that period How We Cakulate Interest Charges • Daily Balance Method (including current transactions): We figure interest Charges for each btlhog period To do this We calculate your Interest Charges separately for each balance subiect to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest ") In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the doily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as oFthe Transaction Dote shown on your btlleig statement, unless the honsadron it posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which ills posted to your Account All foes charged to your Account ore added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the appircoble cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer aonsactton category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your bitting statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more offer 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Drscover't'card 1s issued by Discover Bank, Member FDIC 011B1/2 30/96747 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1-800-347-2683). DISCOVER DISC VER New Balance S5,131,74 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025.1802 Minimum Payment Due S 103,00 Payment Due 'Date November 1, 2010 Address, e-mail or telephone changee Go to www.Discover.com or print change to space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online al www Discover com or make check payable to Discover Phone and interne payments must be made by 5 00pm ET for same day posting CONGRATULATIONS' You earned $ 49 55 as a Pay -On -Time Bonus(SM1 Visit Discovercard com or call 1.800 - DISCOVER (1.800.347.2683) to redeem your reward] PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510051317400000000010300 Opening Date: September 4, 2010 - Closing Date: October 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $4,792 99 Payments And Credits 105 00 Purchases + 394 20 Balance Transfers 0 00 Cash Advances 0 00 Interest Charged 49 55 Fees Charged + 000 New Balance $5,131 74 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit brie Available Cash Advance Credit Line Cash Advance Credit Line Available $9,400 00 $4,268 00 $2,400 00 $2,400 00 Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Pay -On -Time Bonus Everywhere Else Cashback Bonus Balance ro learn more login or www.Dlecover,eom Anniversary Month August $ 23 29 + 49 55 0 98 $ 73.82 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Colt I. 800. DISCOVER 11.800.347-26831 Please have your oiscover >card available 3 Write to us of Discover. PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf assistance, please call 1- 800.347.7449 page 1 of 3 Payment Information New Balance $5,131 74 Minimum Payment Due $103 00 Payment Due Date November 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each perod, you will pay more in interest and It will take you longer to pay off your balance For example If you make no additional charges using; Ors card and each month you pay You will pay off . the balance shown an this statement In about And you will end up paying an eslrmoted total or . Only the minimum payment 14 years $9,171 $171 3 years $6,158 (Savings = $3.013 1 1 you would like information about credit ounseling services, call 1- 800 -347 -1121 Manage Your Account Online at ww■.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morew .—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Dote Sep 26 Sep 26 INTERNET PAYMENT - THANK YOU $ .105 00 Merchandise Sep 22 Sep 22 THE HORN HOSPITAL MARYSVILLE PA Home improvement Sep 26 Sep 26 TRACTOR SUPPLY #783 HARRISBURG PA 01)1 96747 $ 242 90 151 30 TOTAL FEES FOR THIS PERIOD $ 0,00 Interest Charged INTEREST CHARGE ON PURCHASES $ 49 55 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' 1 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as I1's available rather than wail for it to arrive in your mailbox, • Get helpful payment reminders through e•rnoiI or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.comf paperiess •.7010 UIKTVP.r tiuo1 llnnihr, r7C PAHA (1:1 Itl Transactions (cont.) Interest Charged Trans. Post Date Date INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON i3ALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 0 00 0 00 49.55 2010 Totals Year -to -Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 30196747 $ 0 00 514 10 Questions? Visit www.Discovar,corn or call 1- 800 - DISCOVER (1 -800 -347- 2683). DISCOVER DISC VER' it pnys to DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE AANNUAAPL PERCENTAGE Purchases 12 24% V Cash Advances 2399% V V = Variable Rale BALANCE SUBJECT TO INTEREST RATE $4,926 06 $o INTEREST CHARGE $49 55 $o Additional Important Information, See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Cal 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Sall Lake City, UT 84130.0421 in your letter, give us the following information Account iefsr netton Your name and account number Dollar amount The dollar amount of the suspected error De rtpti of Problem If you think there Is an error on your bill, describe what you believe is wrong and why you believe iiIs a mistake You must contact us within 60 Boys after the error appeared on your statement You must notify us of any potential errors in wieties You may call us, but if you do we are not required to investigate any potential error and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on That amount But, if we determine that we mode a mistake, you will not hove to pay the amount in question or nny interest or other fees related to that amount While you do not have to ay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credo broil Your Rights if You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you moy hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on on advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from on ATM or with o chock that accesses your credit card account do not qualify 3 You must not yet hove fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we Think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dole Send only your payment and the lop portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed an an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial rnchtution The processing of your payment may be delayed 4 you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM focal time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the 41 to resubmit it as an electronic debit 30/96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay yo ur monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I- 800.347.2683 Aulomahc payments will be deducted on the Payment Due Date unless you request a recurring payment date leg the 151h day of the month) that occurs before your Payment Due Dale If your scheduled payment date falls oe a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four {4) digits of the social security number of the primary borrower By providing those number os your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, m the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel o scheduled payment by phone at 1.8M-347.2683 or by mad at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive naked least three busutess days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and at transactions must comply with U S law You can set automatic payments for (i) statement New Balance, Cu) statement Minimum Payment Due, jai) statement Minimum Payment Due plus a fixed dollar amount, or (rv) a fixed dollar amount If your scheduled fixed payment ts not enough to cover the Minimum Payment Due as fisted on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due' If the scheduled payment it greater Than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fillers the following blanks below and retain the authorization lot your records Amount n FiiII Pay Mm Pay LJ Min Pay + S_ r__..______., !_.J Fixed Pay$________, Bank Routing # Bank Account # , Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please Indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on ail transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charge; on that transaction from the first day of the billing period in which it is posted to your Account We continue 10 impose Interest Charges until the dale you pay your entire New Balance shown on your billing statement•by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current belting statement, or orrx portion of a new purchase, paid by the Payment Due Date on your current billing statement We coil this the "grace period It is not less than 25 days There is no grace period on balance transfers or cosh advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current bbilling statement by the Payment Due Date shown on that baling statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. if your Accourt has an annual fee, d will be baled at the beginning of each anniversary year 'our Account is open The amount of the fee appears on the statement when the fee is billed The annual fee es not refundable unless you notify us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is bred You will receive this refund even if you use your Card during that period How We Calculate Interest Charges • Daily Balance Method (including current bran :actions): We Figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to These balances as transaction categories We Figure the "daily balance" for each transaction category To get the "daily balance" we take the beginning balance For each day, add any new transactions and Fees and any Interest Charges accrued on the previous day's doily balance We then subtract any credits and payments and make other adiustments (including those adjustments required in the section tilled "Paying Interest ") In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last doy of your previous billing period This gives as the daily balance for each transaction category We figure the interest Charges an your Account by multiplying the daily balance for each transaction category by its dairy periodic rate, for each day in the billing period The total interest Charges for the billing period are the mm of the daily Interest Charges for each transaction category for each doy during that billing period When we calculate daily balances, we odd a new transaction as of the Transaction Date shown an your billing statement, unless the Transaction is posted to your Account offer the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which rt is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception oh Cosh Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more alter 6 months, or as otherwise required by applicable jaw For TDD {Telecommunications Parke for the Deo( assistance, please call 1.800.347.7449. Discover may monitor and {w record telephone calls between you and Discover representatives for quality assurance purposes The Discover't'card is issued by Discover Bank, Member FDIC °me i 30196747 Questions? visit www.Discover.com or call 1.800- DISCOVER (1- 800. 347 - 26831, DISCOVER DISC VER Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement This will help you avoid additional interest charges and /or tole payments, as it con take additional time to process and credit cash payments and payments sent to a different address The Additional important Information section on your statement provides specific details 30196747 g'ilggiArn WINTA6.'mATION DISCOVER' DISC VER New Balance $5,005.07 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $101,00 Payment Due Dale December 1, 2010 Address, e-mail or telephone chonge2 Go to www,Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 00prn ET for same day posting Pay -On -Time Bonus(SM) Update 1 on -time payment was received Simply make .5 more on -lime payments in a row lo earn a Pay -On -Time Bonus! PO BOX 71084 CHARLOTTE NC 28272-1084 0000019864587031275100500507000000000 10100 Opening Date: October 4, 2010 - Closing Date: November 3, 2010 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance See Interest Charge Calculation section $5,131 74 18000 + 000 + 000 + 000 + 53 33 + 000 $5,005 07 following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Lino Cash Advance Credit Line Available $9,400 00 $4,394 00 $2,400 00 $2,400 00 Cashback Bonus" Opening Cashbook Bonus Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance in learn more lag .n or www.Discover.com Anniversary Month August $ 73 82 + 0 00 50 00 $ 23.82 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Cal 1.800•DISCOVER (1.800.347 -2683) Please have your Discoverwcard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 3 Payment Information New Balance $5,005 07 Minimum Payment Due $101 00 Payment Due Date December 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24t variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this' card and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of Only the minimum payment 14 years $8,911 $167 3 years $6,005 (Savings = $2506 ) f you would like information about credit counseling services, call 1- 800347.1 121 Manage Your Account Online at www,Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more bM_. find easy ways to earn and redeem cash rewards NEW I Access your account securely through your mobile phone Transactions Trans. Post Dote Date Payments and Credits Oct 30 Oil 30 INTERNET PAYMENT - THANK YOU -130 00 Award and Rebate Credits Ocf 31 Oct 31 REWARD REDEMPTION CREDIT ENJOY - YOU'VE EARNED IT $ -50 00 '1196747 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES TOTAL FEES FOR THIS PERIOD $ 0.00 $ 53 33 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble. password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless R; DISC VER tt pays re DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period; 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 24% V Cash Advances 23 99% V V = Variable Rale BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $5,130 20 $53 33 $0 $0 Additional Important Information, See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Report immediately/ Call 1.800-347.2683. r• • I. • L ,. • ,• - u • . • ,r , If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In your letter, give us the following information Acc4tjntinformalion Your name and account number Dollar amount The dollar amount of the suspected error Desiptt9 0f Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 cloys after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to payee amount in queshon While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must hove been made in your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we awn the company that sold you the goods or services ) 2 You must have usedyour credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card accovnf do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your chock as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information horn your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment io any other address or rFyou use on envelope other than the one provided Payments received in proper form at our processing facility by 5PM local Time on any day will he credited to your Account as of that day Payments received at our processing facility after SPM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right fo resubmit it as an electronic debit 30/96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I- 800. 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e g the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to nitrate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Sall Lake City, UT 84130-0421, however we most receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (ii) statement Minimum Payment Due, (iul statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in occordance with your Cordmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enrol by phone in our automatic payment service, please fill -rn the following blanks below and retain the authonzahon for your records Amount L_I Full Pay LJ Min Pay n Min Pay + $__ n Fixed Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If ou believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying. Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your bdling statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction From the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or arty portion of u new purchase, paid by the Payment Due Dote on your current billing statement We call this the "grace period " It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement tilled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of Melee appears on the statement when the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery dote of the statement on which the fee is billed You will receive this refund even if you use your Cord during that period How We Cekulate Interest Charges • Daily Balance Method (including current transactions): We Figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance sublect to different terms (for example, standard purchases. standard cash advances and each purchase, balance transfer and cash advance balance sublect to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "doily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other odlustments (including those adjustments required in the section tilled "Paying interest ") In calculating the daily balance for the first day of the bit ing period, we consider the "previous day's daily balance" to have been your balance on the lost day of your previous billing period This gives us the daily balance for each transuchon category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its dotty periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum oF the daily Interest Charges for each transaction category for each day dunng that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added la the daily.balance as of the fist day of the bitting period in which It is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. II your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more offer 6 months, ores otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover''card is issued by Discover Bank, Member FDIC 0 nuKi:2 30196747 Questions? Visit www.Discovor.com or call I. 800 - DISCOVER (1-800-347-2683). DISCOVER` DISC VER 1 Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement This wig help you ovoid addihonal interest charges and /or late payments, as d can take additional time to process and credit cash payments and payments sent to a different address The Additional Important Information section on your statement provides specific details 30196747 c DISCOVER DISC VER" New Balance $4,945.44 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $99.00 Payment Due Dale January 1, 2011 Address, e-mail or telephone changer Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for some day posting Pay-On -Time Bonus(5M) Update 2 on-lime payments have been received Just make 4 more on -time payments in a row to earn a Pay-On -Time Banusl PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510049454400000000009900 Opening Date: November 4, 2010 - Closing Date: Dec Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Interest Charged Fees Charged New Balance $5,005 07 11000 0 00 + 0 00 + 0 00 + 50 37 + 0 00 $4,945 44 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $9,400 00 $4,454 00 52,400 00 $2,400 00 Cashback Bonuse Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance t,, kam mule lot; in uI www.Discover.corn Anniversary Month August $ 23 82 + 0 00 $ 23.82 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call I-800-DISCOVER (1-800-347-2683) Please have your Discovereacard available 3 Write to us at Discover PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments,p lease send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TOD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $4,945 44 Minimum Payment Due $99 00 Payment Due Date January 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using: this cord and each month you pay You will payoff the balance Chown on get stateinent In abant And you will end up paying an estimated tofu' of . Only the minimum payment 13 years $8,791 $165 3 years $5,933 (Savings = $2,858 ) I you would like information about credit counseling services, all 1800.347 -1121 Manage Your Account Online at www,Dlscover.com Access free online tools like Paydown Plonner to creole a plan in pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores+ -- --find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits No 28 Nov 28 INTERNET PAYMENT - THANK YOU $ -11000 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 50 37 0 00 000 50.37 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as d's available rather than wail for if to arrive in your mailbox. • Get helpful payment reminders through a -mail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up lodoy at Discover com /paperless sr2ot UE7iecrnsr knot Mn nty, i-iY( YAi'LR U:11 U 2010 Totals Year -to -Date 30196747 TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 0 00 61780 Questions? visit www.Discover.com or coil 1-800-DISCOVER (1- 800 - 347 - 2683). DISCOVER DISC VER It pays to DISC VER AMANDA D 8EAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR1 is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANN �APRPERCENTAGE RATE Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate BALANCE TO INTEREST $5,007 47 $0 INTEREST CHARGE $50 37 $0 Additional knporrant Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Repoli immediotelyl Call I.840.347.2683. What To Do if You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Acco5entinierreotL n Your name and account number Dollar amount The dollar amount of the suspected error Descripitamoaroblem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors Ln_writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But if we determine that we mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights_lf You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit cord For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase II all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you an delinquent Payments, You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check buck from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment loony other address or if you use on envelope other than the one provided Payments received in proper form at our processing facility by .5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next clay If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does riot exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800.347 -2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (a g , the 15th day of the month) That occurs before your Payment Due Dote II your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your hank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Sall Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Bolance, ]u) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or liv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statemenr, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New New on your billing statement, that payment will be processed only for the amount of your ew Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please filler the following blanks below and retain the outhorreation for your records Amount Full Pay :_ Min Pay ❑ Min Pay + $..._._._.� n Fixed Pay$ Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be rellected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transochon shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction From the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the dote you pay your entire New Balance shown on your billing statement by making payments or receiving credits II you paid the New Balance on your previous billing statement by the Payment Due Date shown on That billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period It is not less than 25 days There is no grace period on balance transfers or cash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when .the fee is billed The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You will receive this refund even if you use your Card during that period How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance sublect to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance sublect to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction cotegory To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying interest ") In calculating the daily balance for the first day of the biting period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period This gives us the doily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its doily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the- sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction ns posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception at Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more alter 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf] assistance, please call 1.800 -- 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'bcard is issued by Discover Bonk, Member FDIC ottsKr,s 30196747 Questions? Visit www.Discover,com or call 1.800- DISCOVER (1- 800.347. 26831. DISCOVER' 1 DISC VER New Balance $4,891.86 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $98.00 Payment Due' Date February 1, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting You're halfway there Just make 3 more on -time payments in a row and you'll earn a Pay -On• ime Bonus(SM) PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510048918600000000009800 Opening Date: December 4, 2010 - Closing Date: January 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $4,945 44 Payments And Credits 105 00 Purchases 0 00 Balance Transfers 0 00 Cash Advances 0 00 Interest Charged 51 42 Fees Charged 0 00 New Balance $4,891 86 See Interest Charge Calculation section fallowing transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $11,30000 $6,408 00 $2,500 00 $2,500 00 Cashback Bonus" Opening Cashbook Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance To Icon, nini, lost rn ni www.Discover.com Anniversary Month August 23 82 0 00 $ 23.82 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800-DISCOVER (1. 800. 347 -2683) Please have your Discovermcard available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, lease send to address on remittance or Discover, PO Bpox 6103, Carol Stream, IL 00197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800. 347.7449 page I of 2 Payment Information New Balance $4,891 86 Minimum Payment Due $98 00 Payment Due Date February 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 17 24 °b variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example I fyou make no addihonal charges using this card and each month you pay You will pay off the balance shown On this statement In about And YOU will end . up paying an estunated total of • Only the minimum payment 13 years $8,681 $163 3 years $ 5,870 (Savings = $2,811 ) I you would like information about credit counseling services, call 1.800-347.1121 Manage Your Account Online at www.Dlscover.com Access free online tools like Paydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more`m- --find easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Trans, Post Date Date Payments and Credits Dec 28 Dec 28 INTERNET PAYMENT • THANK YOU $ -10500 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 51 42 0 00 000 51.42 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements • See your statement as soon as I's available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through a -moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /poperless C U I U ihunrtr Nun[ Umbel' [D'C :PA[Ui G:J I 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 $ 000 TOTAL INTEREST CHARGED IN 2011 51 42 30196747 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1- 800- 347 - 26831. DISCOVER DISC VER tt pays to DISC VE€t AMANDA 0 BEARM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual. Percentage Rate (APR) is the annual interest rate on your account Current Billing Period; 31 days TYPE OF BALANCE ANNUAL (AP PERCENTAGE RATE Purchases 12 249 V Cash Advances 23 99% V V = Variable Rale RREECT TO SUBJECT $4,946 66 $0 INTEREST CHARGE $51 42 $0 Additional Important Information, See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Fast or stolen cards. Report immediately! CoR 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In your letter, give us the following information A_ccount_tnl9rrnahsn Your name and account number Dollar amount The dollar amount of the suspected error DescnpBoRSL.Pt2bfeRt If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in venting You may call us, but if you do we are not required to investigate any potential errors and you may have to pay-the-amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use the right, all of the following must be true 1 The purchase must have been made in your home stole or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based an an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments, You may pay all or part of your Account balance at any time However, you must pay of least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing Facility by 5PM local time on any day will be credited to your Account os of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Coral Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800.347 -2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date Falls on a weekend or bank holiday, your payment will be processed the business day nor to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800. 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available us your bank account, and all transactions must comply with U S low You can net automatic payments for 1t} statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) o fixed dollar amount If your scheduled fixed payment is not enough to covet the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New New on your billing statement, that payment will be processed only for the amount of your ew Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale IF you enroll by phone in our automatic payment service, please Wien the following blanks below and retain the authorization for your records Amount ❑ Full Pay D Min Pay ❑ Min Pay + $ 0 Fixed Pay$__-.___.__. Bank Routing # Bank Account # , Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the 'grace period It is not less than 25 days There is no grace period on balance transfers or rash advances As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally a plypoyments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open The amount of the fee appears on the statement when the fee is billed The annual foe is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the lee is billed You will receive this refund even if you use your Cord during that period How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances as transaction categories We figure the "daily balance" for each transaction category To get the "doily balance" we take the beginning balance for each day, add any new transactions and fees and any interest Charges accrued on the previous day's daily balance We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest ") In calculating the daily balance for the Forst day of the baling period, we consider the "previous day's doily balance' to have been your balance on the last day of your previous billing period This gives us the daily balance for each transaction category We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we add a new transaction as of the Transaction Dote shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which cone the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Foos which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 ob or more alter 6 months, or as otherwise required by applicable law For TDD (Telecommunicatlons Device for the Deai( assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover'Ecard is issued by Discover Bank, Member FDIC OiiSKr J2 30196747 QUeSt1ons? Visit www.Discover.com or call 1- 800 - DISCOVER (1 -800- 347 - 26831. DISCOVER DISC VER New Balance $.4,837.72 AMANDA D BEAHM 19 ANNETTE DR ENO LA PA 17025-1802 Minimum Payment Due: $97.00 Payment Due Date March I, 2011 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Plumber ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day potting Pay -On -Time BonusISMI Update 4 on -time payments have been received PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510048377200000000009700 Opening Date: January 4, 2011 - Closing Date: February 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,891 86 105 00 + 0 00 • 000 + 000 + 000 + 50 86 $4,837 72 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $1 1,300 00 $6,462 00 $2,500 00 $2,500 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ta learn mine tau m ur www.Discover.com Anniversary Month August $ 23 82 + 0 00 $ 23.82 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call 1.800 - DISCOVER (1. 800.347.2683) Please have your DrscoveriCcard available 3 Write to us of Discover PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please tend to address an remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TOD (Telecammunicalions Device for the Deal) assistance, please calf 1.800. 347.7449 page 1 of 2 Payment Information New Balance $4,837 72 Minimum Payment Due $97 00 Payment Due Date March 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a tale fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be Increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If yeu make no addthonal charges using; this cord and oath month you pay You will pay off . the balance shown an this satetnent iln about And Y61, will end up paying an estimated total of , Only the minimum payment 13 years $8,569 $161 3 years $5,805 (Savings = $2,7641 I you would like information about credit counseling services, call 1.800. 347.1121 Manage Your Account Online at www,Dlscover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cosh rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Jan 28 Jan 28 INTERNET PAYMENT . THANK YOU $ .10500 Foes TOTAL FEES FOR THIS PERIOD $ 0.00 Interact Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR 'THIS PERIOD $ 50 86 0 00 000 50,86 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as ti's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discovercom /paperless e ;20 i}iliw -nv;r Bmek f,Mmbn ri)C FAVLR U3 I (I 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 $ 0 00 TOTAL INTEREST CHARGED IN 2011 102 28 30196747 Questions? Visit www.Discover,com or call 1. 800 - DISCOVER (1-800-347-26831. DISCOVER DISC VER tr pays io DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate fAPR) is the annual interest rote on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE RATE (APR) Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $4,892 81 $50 86 $0 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1.800.347.2603. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In your letter, give us the following information Account mformat+on Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is on error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 clays after the error appeared on your statement You must notify us of any potential errors in wilting You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goads or services that you hove purchased with your credit card, and you hove tried re good kWh to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we marled to you , or if we own the company that sold you the goods or services f 2 You must have used your credit card for the purchase Purchases niacin with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you are shit dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the deputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dole Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed at an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back Irons your financial institution The processing of your payment may be delayed if you send cash, con espondence or other items with your payment, if you rend the payment to any other address or if you use on envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any d will be credited to your Account as of that day Payments received at our processing facility after 5PM local time wiNtbe credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, I1 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30/ 96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole (a g , the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment wit be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your elec ionic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800- 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, (ur) statement Minimum Payment Due plus a fixed dollar amount, or (iv) o fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to over the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fdl•in the following blanks below and retain the authorization for your records _ n^II 11 :- Amount U Full Pay (� Mm Pay `-_., Min Pay + $., L-_I Fixed Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest. We begin to impose interest charges an a transaction, Fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") IF you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement. we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such an Balance Transfers How We figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the First day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adlustmenis (including those adlustments required rn the "Paying Interest" section) How We figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rale We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge For the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Sublect to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this For each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount rs shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for qualify assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC tL!NiLUU r 30196747 Questions? Visit www.Dlscovor.com or call I - 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER New Balance Minimum Payment Due $4,773.20 $96.00 Payment Due' Date April 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting Pay -On -Time Bonus(5M1 Update S on -time payments have been received PO BOX 71 084 CHARLOTTE NC 28272.1084 000001986458703127510047732000000000009600 Opening Date: February 4, 2011 - Closing Date: Marc Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,837 72 11000 + 0 00 + 0 00 + 0 00 + 000 + 45 48 $4,773 20 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $11,390 00 Credit Line Available $6,526 00 Cash Advance Credit line $2,500 00 Cash Advance Credit Line Available $2,500 00 Cashback Bonus?' Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance To lean mine lop in ii www.Discover.com Anniversary Month August $ 23 82 + 0 00 $ 23,82 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800- DISCOVER (1- 800.347 -2683 Please have your Ouscovere>card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347.7449 page 1 of 2 Payment Information New Balance $4,77320 Minimum Payment Due $96 00 Payment Due Date April I, 2011 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and rt will take you longer to pay all your balance For example IfyoU make no additional charges using, this card and each month you pay You will payoff the balance shown 10.0 This statement In eb.yt ..And you will end up paying an estimated total of . Only the minimum payment 13 years $8,446 $159 3 years $5,727 (Savings = $2,719 I i you would like information about credit counseling services, all 1.800.347 -1121 Manage Your Account Online at www.Discover.com Access free online tool: like Paydown Planner to create a plan la pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more SA4 —find easy ways to earn and redeem cash rewards NEW I Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Feb 28 Feb 28 INTERNET PAYMENT - THANK YOU $ .11000 Foes TOIAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 45 48 0 00 0 00 45.48 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION! DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements • 5ee your statement as soon as it's available rather than wail for it to arrive in your rnoilbox. • Get helpful payment reminders through a -mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com /poperless V20 i 1) 0.s;:ovxr tl+.rk Memix, FLY( WU ? 07 II) 2011 Totals Year -to -Date 30196747 TOTAL PEES CHARGED IN 2011 $ 000 TOTAL INTEREST CHARGED IN 2011 147 76 Questions? Visit www.Discover.com or call 1 -BOO- DISCOVER (1-800-347-2683]. DISCOVER DISC VER it pays to DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) rs the annual interest rate on your account Current Billing Period: 28 days TYPE OF BALANCE ANNUAL �rAL PERCENTAGE RATE Purchases 12 24% V Cash Advances 2399% V V = Variable Rale INTEREST RATE TO $4,843 96 $0 INTEREST CHARGE $45 48 $0 Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Calf 1.800.347.26B3. What ro Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there Is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees reloted to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been mode in your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet hove fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0045 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check la make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, con espondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper torn at our processing Facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will he credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601974103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347.26B3 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date le g , the 15th day of the month) that occurs before your Payment Due Dole II your scheduled payment date Falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bunk to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800- 347.2683 or by mail at Discover, PO Box 30421, Soh lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (n) statement Minimum Payment Due, pill statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enou0 to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount maybe less than die amount indicated on the periodic statement based on credits or payments after the Closing Dale IF you enroll by phone in our automatic payment service, please Mks the following blanks below and retain the authorization for your records Amount El Full Pay Li Min Pay (El Min Pay + $.__._. ____.__., ❑ Fixed Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is Inaccurate or incomplete, please write us at die following address Discover. PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe is You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest air Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period "( IF you paid the New Balance on your previous billing statement by the Payment Due Dale drown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purchases that First appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, there depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance end any new transactions and fees We add any new transactions or fees as of the late of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (Including those adjustments required in the "Paying Interest" section( How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day rn the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rote, we divide the APR titat applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add oll other lees to the standar d Purchase Transaction Category Balance Subject to Interest Rale. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount rs shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives fat quality assurance purposes The Discover®cord is issued by Discover Bank, Member FDIC ezrat:uut 30196747 Questions? Visit www.Discover.com or call 1. 800- DiSCOVER (1- 800 - 347. 2684 DISCIVER 1 DISC VER New Balance Minimum Payment Due $4,717.82 $95.00 Payment Due Dale May 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone changee Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below $ r -- Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 00pm ET for same day pasting CONGRATULATIONS' You earned $ 49 62 as a Pay -On -Time Bonus(SM) Visit Discovercard corn or call 1.800•DISCOVER (1. 800347.2683) to redeem your reward) PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510047178200000000009500 Opening Date: March 4, 2011 - Closing Date: April 3, Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,773 20 105 00 + 0 00 + 0 00 + 0 00 + 0 00 + 49 62 $4,717 82 See Interest Charge Calculation section following Transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $11,30D 00 $6,582 00 $2,500 00 $2,500 00 Cashback Bonus** Opening Cashback Bonus Balance New Cashback Bonus This Period Pay-On-Time Bonus Everywhere Else Cashback Bonus Balance 10 166(6a5ie lag inar www Aiscover,com Anniversary Month August $ 23 82 49 62 0 00 $ 73.44 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2 Call 1- 800 - DISCOVER (1.800.347-2683) Please have your Discovers card available 3 Write to us at Discover. PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments. please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 6019 16103 For TOD (Telecommunications Device for the Deaf) assistance, please call 1- 800-347 -7449 page 1 of 2 Payment information New Balance $4,717 82 Minimum Payment Due $95 00 Payment Due Date May 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example I Pyou Make no additional charges using ihi; card and each month you pay You will pay off the balance shown an this stoternee1 in obaut And you will end up paying an esk.mated total of . Only the minimum payment 13 years $8,332 $157 3 years $5,661 (Savings = $2,671 ) If you would like information about credit counseling services, call 1. 800 -347 -1 121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreM -- find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Dote Payments and Credits Mar 28 Mar 28 INTERNET PAYMENT - THANK YOU $ -105 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 49 62 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected slatements • See your statement as soon as it's available rather than wail far It to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless M20 I01),' nvrtl Bonk Wants FUK_ AAHCN (1J IU Transactions (cont.) Trans. Post Date Date Interest charged TOTAL INTEREST FOR THIS PERIOD $ 4942 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 $ 0 00 197 38 Questions? visit www.Disccver.com or call I -800- DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER It pays to DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate fAPRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAAPL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE Purchases 12 24% V $4,773 55 $49 62 Cash Advances 23 99% V $0 $0 V e Variable Rate Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Report immediately) Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, LIT 84130 -0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Probtem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to nveshgote any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not hove to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit cord, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due an the purchase To use this right, all of the following must be true 1 The purchase must hove been made in your home stale or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we marled to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund banger from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next clay If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay our monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800. 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g the 15th day of the month) that occurs before your Payment Due Date II your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronrc signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for li) statement New Balance, (n) statement Minimum Payment Due, lilt statement Minimum Payment Due plus a fixed dollar amount, or (ivl o fused dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF-your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount l _t Full Pay i W Mtn Pay ❑ Min Pay + $_ ❑Fixed Pay$_ Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report IS inaccurate or incomplete, please write us at Me following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchase: as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases j "Grace Period') If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that lust appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method )including current transactions): We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd on new transactions or Fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the biking period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR fiat applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees io the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Sublet to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or a: otherwise required by applicable law For TDD [Telecommunications Device for the Deal) assistance, please call l- 800.347.7449. Discover may monitor and /or record telephone calls behveen you and Discover representatives for quality assurance purposes The Dtscovermcard is issued by Discover Bank, Member FDIC rzra eve l 30196747 Questions? Visit www.Dlscover.com or call 1- 800- DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER New Balance Minimum Payment Due $4,665.34 $94.00 Payment Due Date June 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, a -mad or telephone change Go to www.Discever.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online of www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting Pay -On -Time Bonus /SMI Update 1 on -time payment has been received PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703 127510046653400000000009400 Opening Date: April 4, 2011 - Closing Date: May 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $4,717 82 Payments And Credits 100 00 Purchases 0 00 Balance Transfers 000 Cash Advances 0 00 Fees Charged 0 00 Interest Charged 47 52 New Balance $4,665 34 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $11,300 00 $6,634 00 $2,500 00 $2,500 00 Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Ti, 1tori, mum log viol www.Discover.com Anniversary Month August $ 73 44 + 0 00 $ 73,44 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call l- 800. DISCOVER (1. 800. 347 -2683) Please have your DrscoveriCcard available 3 Write to us of Discovet PO Box 30043, Salt Lake City, UT 84150 /Not a payment address) For payments, please send to address on remittance or Discover, PO lox 6103, Carol Stream, IL 60107.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449 page 1 of 2 Payment Information New Balance $4,665 34 Minimum Payment Due $94 00 Payment Due Date June 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no addihonal charges using', this card and each month you pay You will pay off the balance shown do this statement it about And you will end up paying an estimated total of . Only the minimum payment 13 years $8,227 $155 3 years $5,547 /savings = $2,630 I If you would like information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discover.com Access free online lads like Poydown Planner to create a plan In ay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more Sr^ —find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Apr 29 Apr 29 INTERNET PAYMENT THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 47 52 0 00 0 00 47,52 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 1 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected sIotements • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e•rnail or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Discover.com /paperless 55 10. server Dunk IN,mne, FU =C: PAPER 071 U 2011 Totals Year- to-Date TOTAL. FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 0 00 244 90 Questions? Visit www.Discover.com or call 1.800 - DISCOVER (1- 800 -347- 2683). DISCOVER DISC VER It pays 10 DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Role (APR) is the annual interest rate on your account Current Billing Poriodt 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT 70 RATE (APR) INTEREST RATE Purchases 12 24% V $4,724 15 Cash Advances 23 99% V $0 V = Variable Role INTEREST CHARGE $47 52 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1-800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, tow ite to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your teller, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any;potential errors rn writing You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount m question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you os delinquent an that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have fried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this r ght, all of the following must be true I The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of These are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or pad of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and fhe top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the riVii to resubmit it as an electronic debit 30/ 96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800447.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment date (e the 15th day of the month) that occurs before your Payment Due Date II yo your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, born your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PC) Box 30421, Salt take City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, CO statement Minimum Payment Due, Intl statement Minimum Payment Due plus a Fixed dollar amount, or )iv) a fixed dollar amount If your scheduled fixed payment is not enough to covet the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment rs greater than the Minimum Payment Due, any excess will be applied in accordance with your Caidmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale II you enroll by phone in our automatic payment service, please fdbin the following blanks below and retain the authorization for you records Amount ❑ Full Pay i Mrn Pay ❑Min Pay + $___. n Fixed Pay$_.___. Bank Routing # Bank Account # , Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add ir to the doily balance We continue to Impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period"' If you paid the New-Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purr-hoses or any portion of a new Purchase, paid by the. Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions)t We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance an the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest' section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic role We do this for each day in the billing period This gives us the interest charges far each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees lo the applicable Balance Transfer Transaction Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standai d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Sublect to Interest Rale is the average of the daily balances during the billing period Credit balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount i1 your Account is open We will send you a refund of any remaining balance of $1 00 or more after o months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf' assistance, please call 1.800- 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover°card is issued by Discover Bank, Member FDIC xzrvreoa 30196747 Questions? visit www.Dlscover.com or call 1. 800 - DISCOVER (1- 800. 347 - 2683). DISCOVER DISC VER New Balance Minimum Payment Due: $4,613.81 $93.00 Payment Due Date July 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 Address, e-mail or telephone change Go to www•Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn os make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for some day posting Pa•On•Time Bonus(SM( Update 2 on -time payments have been received PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703127510046138100000000009300 Opening Date: May 4, 2011 - Closing Date: June 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Tronslers Cash Advances Fees Charged Interest Charged New Balance $4,665 34 100 00 + 0 00 + 0 00 0 00 + 0 00 + 48 47 $4,613 81 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $11,300 00 $6,686 00 $2,500 00 $2,500 00 Cashbock Bonus' Anniversary Month August Opening Cashbock Bonus Balance $ 73 44 New Cashbook Bonus This Period 0 00 Cashback Bonus Balance To 'corn mole log in ui www.Diacover.cam $ 73,44 3 Easy Ways to Contact Us 1 Access your account securely at www.Discever.com 2 Call l•800•DISCOVER (1.800.347.2683) Please have your Drscaverm card available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $4,613 81 Minimum Payment Due $93 00 Payment Due Date July 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and It will take you longer to pay off your balance For example If You make no additional charges unm3 thiY card apd each month you pay You will pay oft the balance shown an INS statetntrnt in about And ytsuwillend up paying on eslimvfed total pf • Only the minimum payment 13 years $8,121 $154 3 years $5,536 (Savings = $2,585 l f you would like information about credit counseling services, call 1- 800 -347 -1121 Manage Your Account Online at vrww,Discover.com Access free online tools like Paydown Planner to creole a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more-+ — find easy ways to earn and redeem cash rewards NEW] Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits May 27 May 27 INTERNET PAYMENT . THANK YOU $ •10000 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30/96747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 48 47 0 00 0 00 48,47 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlaodable, password protected statements • See your statement as soon as it's available rather than wad for it to arrive In your mailbox. • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless 42201(} Discover Iwnk Mor bri !VC NAPIR 0J 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 000 293 37 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1 -800. 347 - 2683. DISCOVER' DISC VER n pays io DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account Current Billing Period: 31 days TYPE OF BALANCE ANE (APRPERCENTAGE Purchases 12 24% V Cash Advances 23 99% V V = Variable Rale BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE $4,663 04 $0 $48 47 $0 Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1-800-347-2683, What To Do IF You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account informahon Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have io pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due an the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home stale or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay ad or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at' the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check buck from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments-Through a customer service representative by calling 1.800- 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e g the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4(drgds of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail of Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (t) statement New Balance, Iii) statement Minimum Payment Due, (uil statement Minimum Payment Due plus a fixed dollar amount, or Irv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment *greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount Full Pay Min Pay Cl Min Pay + $_ _.____., El Fixed Bank Routing # , Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 10850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances Flow to Avoid Paying Interest on Purchases ( "Grace Period') If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement. we will riot Impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current bang statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not got a grace period on new Purchases How We Calculate Interest Charges • DaRy Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the'daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Rgure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily Interest charges The sum is the total interest charge for the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We odd all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that rs owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347.7449. Discover may monitor and /or record telephone cats between you and Discover representatives for quality assurance purposes The Discover°card is issued by Discover Bank, Member FDIC xzvrroo t 30/96747 Questions? Visit www.Dlscover.com or call 1.800-DISCOVER (1-800-347-2683). DISCOVER I DISC VER New Balance Minimum Payment Due $4,562.35 $92.00 Payment Due Date August 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025-1802 Address, e-mail or telephone change2 Go to www,Discover,con or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and interne payments must be made by 5 OOpm ET for some day posting Pay -On -Time BonuslSM) Update 3 on -time payments have been received PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510045623500000000009200 Opening Date: June 4, 2011 - Closing Date: July 3, 2011 Discover Motive Card Account Summary Account number ending in 3208 Previous Balance $4,613 81 Payments And Credits 98 00 Purchases 0 00 Balance Transfers 0 00 Cash Advances 0 00 Fees Charged + 0 00 Interest Charged + . 46 54 New Balance $4,562 35 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit tine Available $12,400 00 $7,837 00 $2,500 00 $2,500 00 Cashback Bonus' Anniversary Month August Opening Cashback Bonus Balance $ 73 44 New Cashback Bonus This Period + 0 00 Redeemed This Period 50 00 Cashbook Bonus Balance $ 23.44 10 limn mom loo in m www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1. 800 - DISCOVER 11.800.347.26831 Please have your Discovere card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 64130 (Not a payment address) For payments, please tend to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197 -6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800. 347.7449 page 1 of 2 Payment Information New Balance $4,562 35 Minimum Payment Due $92 00 Payment Due Date August 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay all your balance For example 'fiat; make no additional charges using; this card and each month you pay You Mk pay off the balance shown On that statement in about And yku will end up paying an esn.mated rote} of . Only the minimum payment 13 years $8,017 $152 3 years $5,474 (Savings = $2,543 ) f you would like information about credit counseling services, call 1 -600 347 -1 121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to creole a plan to pay down your balance, securely access statements, pay bilis online and easily track all transactions Make your money worth mare find easy ways to earn and redeem cash rewards NEW1 Access your account securely through your mobile phone Transactions Trans, Post Date Date Payments and Credits Jut 1 Jul 1 INTERNET PAYMENT - THANK YOU $ -98 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 46 54 0 00 0 00 46.54 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 1 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements • See your statement as soon as it's available rather than wait for it to arrive In your mailbox. • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up toddy at Discover.com /paperless C.2010 Dnrem, hunk Mnmbrr I•D( iAI'LR 0310 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 $ 0 00 339 91 Questions? Visit www.Discover.com or call I- 800 - DISCOVER (1 -800. 347 - 2683). DISCOVER DISC VER it pots to DISC VER' AMANDA D BEAHM Account number ending in 3209 page 2 of 2 Interest Charge Calculation Your Annual Percentage Role (APR( is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL {AP PERCENTAGE BALANCE E SUBJECT TO INTEREST CHARGE Purchases 12 24% V $4,626 51 $46 54 Cash Advances 23 99% V $0 $0 V = Variable Rale Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Repoli immediately' Call I•BOD•347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home stale or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tel you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that clay Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it o an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCWVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payment: through a customer service representative by calling 1.800-342-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale (a g , the 15th day of the month) that occurs before your Poyment Due Dale If ur scheduled payment dale Falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ent you authorize, in the amount selected by you, horn your bank account You also authorize us to initiate debit or credit enh ies to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800. 347.2683 or by mail at Discover, PO Box 30421, Sall lake City, UT 84130-0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tel you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for II) statement New Balance, III) statement Minimum Payment Due, bill statement Minimum Payment Due plus a hued dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due an listed on your monthly billing statement, your scheduled payment for that month will be Increased to cover the Minimum Payment Due If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please Fill•in the following blanks below and retain the authorization for your records Amount El Full Pay LI Mm Pay ❑ Min Pay + $_ ____ —__, n Fared Bonk Routing # Bank Account # , Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PD Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on o transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases I "Grace Period ") 11 you paid the New -Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grate Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period an new Purchases How We Calculate Interest Charges Daly Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance far Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's doily balance and any new tronsactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the First day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We mdke otheradlustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide She APR that applies to the Transaction Cotegory by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category Wa add all other fees to the siandaid Purchase Transaction Category Balance Subject to Interest Rate, Your statement shows a Balance Subled to Interest Rate It show, this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account hos o credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverc'card is issued by Discover Bank, Member FDIC ttmt[va I 30/96747 Questions? Visit www.Dlscover,com or colt 1 -800- DISCOVER (1 -800- 347 - 26831. DISCOVER DISC VER New Balance $4,509.91 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due S91.00 Payment Due Date September 1, 2011 Address, email or telephone changer Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and interne payments must be made by 5 OOpm ET for same day posting PayOn -Time Bonus)SM,) Update 4 on -time payments have been received PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510045099100000000009100 Opening Date: July 4, 2011 - Closing Dale: August 3, Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $4,562 35 Payments And Credits - 100 00 Purchases + 0 00 Balance Transfers + 0 00 Cash Advances + 0 00 Fees Charged + 0 00 Interest Charged + 47 56 New Balance $4,509 91 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $7,890 00 $2,500 00 $2,500 00 Cash bock Bonus' Opening Cashback Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance Ti, learn mom !oil into www,Discover,com Anniversary Month August $ 23 44 + 0 00 $ 23.44 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call I.800•DISCOYER I I.800.347 -2683 Please have your Discovers card available 3 Write to us at Discover PO Box 30943, Sot Lake City, UT 84130 (Not a payment address) For payments, please send to address on reminance or Discover, PO Box 6103, Carol Slream, IL 60107.6103 For TDD /Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $4,509 91 Minimum Payment Due $91 00 Payment Due Date September 1, 2011 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay mote in interest and it will take you longer to pay all your balance For example If you make rto oddrhonal charges using this cord and each month you pay You will pay off the balance shown on Ihil statement, in about Aod you will end up paying an esluncited total of . Only the minimum payment 13 years $7,010 $ 150 3 years $5,411 (Savings = $2,4991 If you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Discover.com Access free online tool: like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more'Sm —find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Aug 1 Post Date Aug 1 INTERNET PAYMENT - THANK YOU $ -100 00 Fees TOTAL FEES FOR THIS PERIOD $ 0,00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 47 56 0 00 0 00 47,56 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` 1 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as rl's available rather than wad for it to arrive in your mailbox. • Get helpful payment reminders through a -rnod or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /papedess Y;701 n ibssrvrs Hoak IAnmber IOC :PAP'BK (1:) 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30/86747 $ 0 00 387 47 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER It pays to DISC VER AMANDA D BEAHM Account number ending to 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate IAPRI is the annul interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL IAL PERCENTAGE BALANCE SUBJECT TO Purchases 12 24% V $4,575 69 Cash Advances 23 99% V $0 V = Variable Rate INTEREST CHARGE $47 56 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1.$00.347.2683, What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, wnie to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the Following information Account 4,r ormatton Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate arty potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to chorea you interest an that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you ore responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Arc Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50 Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dale Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you outhonze us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction II payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use informotion from your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the some day we receive your payment, and you will not receive your check buck from your financial institution The processing of your payment may be delayed if you send cash, con espondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1. 800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale Co g the 15th day of the month) that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digit of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800. 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 841300421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all tronsactions must comply with U S law You can at automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (in) statement Minimum Payment Due plus a fixed dollar amount, or (rv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is grealer than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement IF -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount l.J Full Pay :_, Min Pay n Min Pay + $_____, Fixed Poy$____.___..______, Bank Routing if Bank Account it , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the blowing address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New-Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of -a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purchases that lust appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not ger a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions); We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosli Advances and different promotional balances, such as Balance Transfers How We Figure the Doily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other odlustments lincludmg those adlustrments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its doily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic tate, we divide the APR ;hat applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer fees to the applicable Balance Transfer Transaction Category We odd Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rate It shows this for each tronsaction category The Balance Sublect to Interest Rate is the average of the dally balances during the billing period Credit Balances. II your Account hos a credit balance, the amount is shown on the front of your billing statement A- credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD 'Telecommunications Device for the Deaf) assistance, please call 1. 800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover`j'card is issued by Discover Bank, Member FDIC UN! tau t 30196747 Questions? Visit www.Dlscovar.com or call 1. 800 - DISCOVER (1 -800- 347- 2683k. DISCOVER' DISC VER New Balance $4,490.97 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $93.00 Payment Due Dale October 1, 2011 Address, e-mail or telephone changes Go lo www,Discever.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting Please ass s_'._ "Notice Changes es to.. -. Please see No4ce of Changes to your Interest Rates' section PO BOX 71 084 CHARLOTTE NC 28272.1064 000001986458703127510044909700000000009300 Opening Date: August4, 2011 - Closing Date: 5epte Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,509 91 91 00 0 00 + 0 00 + 0 00 + 25 00 + 47 06 $4,490 97 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $7,909 00 $2,500 00 $2,500 00 Cashback Bonus"' Anniversary Month August Opening Cashback Bonus Balance $ 23 44 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 23.44 In !earn note log rn ui www.bncover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call 1.800 - DISCOVER (l.800.347.2683) Please have your Discovermcard available 3 Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deafl assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $4,490 97 Minimum Payment Due $93 00 Payment Due Date October 1, 201 1 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have la pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no addihanal charges using; this card and each month you pay You will pay off the balance shown on INS statement in about And you will end up paying an estimated tote] of . Only the minimum payment 13 years $7,869 $150 3 years $5,383 (Savings = $2,486 I f you would like information about credit counseling services, all 1- 800347-1121 Manage Your Account Online at www,Dlscover.com Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSM —find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Sep 2 Sep 2 INTERNET PAYMENT - THANK YOU $ .91 00 Fees Sep I Sep 1 LATE FEE TOTAL FEES FOR THIS PERIOD $ 25 00 25.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 4706 0 00 0 00 47.06 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive In your mailbox, • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /poperless C...3 t: U,s::rny Bunk 6M1mnhn FU!r= PAPIR 0310 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 $ 25 00 434 53 Questions? visit www.Discover,corn or call 1- 800 - DISCOVER (1- 800 - 347.26831. DISCOVER' 1 DISC VER It pays to DISC VER' AMANDA b SEAHM Account number ending in 3208 page 2 of 2 Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 17.24% on new transactions due to a late paymentls) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate.` This change will impact your account as follows: Purchases made on or after 9/23/11: As of 1 1/4/1 1, the Penalty APR will apply to these purchases sunless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 9/23/11 and other transactions: Current rates will continue to apply to these purchases and transactions, *This Annual Percentage Rate ( "APRs') equals the U.S. Prime Rate + 13.99% )corresponding daily periodic rate of 0,04723 %). Interest Charge Calculation Your Annual Percentage Rate (APRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANTE�ALPERCENTAGE Purchases 12 24% V Cash Advancer 23 99% V V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $4,526 79 $0 INTEREST CHARGE $47 06 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediatelyl Call 1.800.347.2683. What ro Da if YOU Think Yov Find AMistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Sall Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Desorption of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must nobly us of any potential errors jn wr_rting You may call us, but if you do we are rot required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we mode a mistake, you will not hove to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use the right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been mote than $50 Note Neither of these are necessary if your purchase was based on an advenrsement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit cord for the purchase Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments, You may pay al or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed an an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial Institution 30/96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing tacikty by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing Facility after 5PM local time will day credited to your Account as of the next day If you have misploced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197 -6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling I-800-347-2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g tie 15th day of the month) that occurs before your Payment Due Dale If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421. however we must receive notice at least three business days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S low You can set automatic payments for )r) statement New Balance, [nj statement Minimum Payment Due, jar) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount U Full Pay U Min Pay Li Min Pay + $ .- ___........ ....._...,......., Fixed Pays- ,.,,,,,,, Bank Routing # , Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If u believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying filtered: We begin to impose interest charges on a transaction. fee or interest charge from the day we add it to the daily balance We continue to impose Interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot ovoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases i "Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period if you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dale or the first day of the billing period in which the transaction or tee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Tronsaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances, If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD )Tolecarnmunicatfons Device for the Deaf) assistance, please call 1.800. 347.7449, Discover may monitor and /or record telephone colts between you and Discover representatives for quality assurance purposes �dd�� Thhn9rsttS�r74 d is issued by Discover Bank, Member FDIC R7NFMel Questions? Visit www.Discover,com or call 1 -800- DISCOVER (1- 800.347. 26831. DISCOVER DISC VER New Balance $4,571.37 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $194.00 Payment Rue Date November 1, 2011 Address, e-mail or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card Minimum payment due includes a past due amount of $93 00 Phone and Internet payments must be made by 5 OOprn ET For same day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510045713700000000019400 Opening Date: September 4, 2011 - Closing Dale: October 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,490 97 0 00 4 0 00 + 0 00 + 0 00 + 35 00 + 45 40 $4,571 37 See Interest Charge Cakulation section Following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $7,828 00 $2,500 00 $2,500 00 Cashback Bonus'" Anniversary Month August Opening Cashback Bonus Balance $ 23 44 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 23.44 Ta lean, mare lurr m co www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Coll 1. 800 - DISCOVER 11.800. 347 -26831 Please have your Discovermcard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment addressl For payments, please send to address an remittance or Discover, PO Box 6 }03, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 INNINIMM page 1 of 2 Payment Information New Balance $4,571 37 Minimum Payment Due' $194 00 Payment Due Date November 1, 2011 'Includes past due amount of $93 00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35 00 and your purchase and baance transfer APRs for new transactions may be increased up to the Penalty APR of 17 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and d will take you longer to pay off your balance For example If you make no additional Chprres . using this card and each month you pay You will pay off4he balance shown an thin statement in about And you Will end up.payntg an estimated total of, Only the minimum payment 13 years $7,927 f you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www,Discover.com Access free online Coals like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more`'^': —find easy ways fo earn and redeem cash rewords NEWT Access your account securely through your mobile phone Transactions Fees Trans. Data Oct I Post Date Oct 1 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35,00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 45 40 0 00 0 00 45.40 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlaadable, password protected statements • See your statement as soon os it available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com/paperless V2010 Onnwer bu■% Idximin R.M. . !'AP[N 03 10 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 $ 60 00 479 93 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800 - 347- 26B3). DISCOVER' DISC VER' 'DISC VER AMANDA D BEAHM Account number ending in 3208 purge 2 of 2 Interest Charge Calculation Your Annual Percentage Rate IAPR1 is the annual interest rote on your account Current Billing Period: 30 days TYPE OF BALANCE AN f (AL PERCENTAGE Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate BALANCE SUBJECT TO INTEREST RATE $4,512 87 $0 INTEREST CHARGE $45 40 $0 Information For You ATTENTION ' * * Your account is past due Please pay the past due amount now, or contact us to make other arrangements Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account teeter stolen cards, Report immedialelyt Call 1.800347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there in an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 841300421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe in wrong and why you believe rt is a mistake You must contact us within 60 clays after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not hove to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be hue 1 The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these ore necessary if your purchase was based on an advertisement we marled to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Tully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake Cify, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the lop portion of this statement m the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check io make an electronic fund tianster from your account at the financial institution Indicated on your check or to process the payment as a check transaction It payment is processed as an electronic fund transfer the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back horn your financial institution The processing of your payment may be delayed i f you send cash, correspondence or other items with your payment, if you send the payment lo any other address or if you use an envelope oilier than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit 30/ 96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1-800.347 -2683 Automatic payments will be deducted on Ike Payment Due Date unless you request a recurring payment dale (e g , the 15th day of the month} that occurs before your Payment Due Date If your scheduled payment date falls on a weekend or bank holiday, your payment wit be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (41 digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authahze, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.80D- 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment II your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for II) statement New Balance, (n) statement Minimum Payment Due, huh statement Minimum Payment Due plus a fixed dollar amount, or 1iv0 a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyaur scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authonzotion for your records Amount n Full Pay Mm Pay ❑ Mm Pay + $__._.___�, El Fixed Bonk Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month if you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 10850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue io impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest an Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ("Grace Period "( If you paid the NewBalance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your currentbilling statement New Purchases are Purchaases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method 'including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" For each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the hot day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new tronsoctiau or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section( How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rote We do this for each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic rote, we. divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge For the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other feeslo the standard Purchase Transaction Category Balance Sublect to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Sublect to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your biting statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $ 1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverncord is issued by Discover Bank, Member FDIC NZNI au I 30/96747 Questions? Visit www.Dlscovor.com or call 1- 800- DISCOVER 0-800- 347 - 2683), DISCOVER' I DISC VER New Balance Minimum Payment Due $4,423.96 $89.00 Payment Due' Dale December 1, 2011 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change" Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 00pm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272 -108A 000001986458703127510044239600000000008900 Opening Date: October 4, 2011 - dosing Date: November 3, 2011 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged Now Balance $4,571 37 194 00 + 0 00 + 0 00 + 0 00 + 0 00 + 4b 59 $4,423 96 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,40000 $7,976 00 $2,50000 $2,500 00 Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period PayOr +Time Everywhere Else Cashback Bonus Balance I0 lean more tog:naiwww.Discover.com Anniversary Month August $ 23 44 + 2 32 + 0 00 $ 25,76 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1- 800-DISCOVER (1.800- 347 -2683 Please have your Discover +card available 3 Write to us at Discover, PO Box 30043, Silt Lake City, UT 84130 :Nola payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device fm the Deaf) assistance, please call 1. 800.347 -7449 page 1 of 2 Payment Information New Balance $4,423 96 Minimum Payment Due $89 00 Payment Due Date December I, 2011 Into Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transaction, may be increased up to the Penalty APR of 22 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If, you make no additional charges using this card apd each month you pay You will pay off the balance shown an Ihrs statement it about And Year will end up paying an v,tinpled vat of • Only the minimum payment 13 years $7,733 $147 3 years $5,301 (Savings ic $2,4321 I you would like information about credit counseling services, call 1-800-347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more `M - -.find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Port Date Date Payments and Credits Oct 4 Oct 4 INTERNET PAYMENT • THANK YOU Oct 31 Oct 31 INTERNET PAYMENT - THANK YOU $ -10000 -94 00 Fees TOTAL FEES FOR THIS PERIOD 1,208,§I,47 $ 0,00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 46 59 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless 4;20} t: Dncauer hunk ) sobrFOC. PAFLR t }J Ii) Transactions Trans. Post (cont,) Date Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 46.59 2011 Totals Year - to-Date TOTAL. FEES CHARGED IN 201 1 TOTAL INTEREST CHARGED N 2011 30196747 $ 60 00 526 52 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER DISC VER It pays to DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2of2 Interest Charge Calculation Your Annual Percentage Rote (APRI is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANN (APRjERCENTAGE RATE Purchases 12 24% V Cash Advances 23 99% V V = Variable Rate A NCT A SUBJECT TO $4,481 80 $0 INTEREST CHARGE $46 59 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1.800.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account tnkrmohon Your name and account number Dollar amount The dollar amount of the suspected error Descrrpfion of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in writing You may cull us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to called the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, ,f we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to correct the problem with the merchant, you may have The right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 Note Neither of these are necessary if your purchase was based on art advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have Fully paid for the purchase If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dole Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer front your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as art electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, con espondence or other items with your payment, if you send the payment to any other oddness or it you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will he credited to your Account as of the next day If you hove misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic. debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over Are telephone or you con setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted an the Payment Due Date unless you request a recurring payment dale (e g the 15th day of the month) that occurs before your Payment Due Date II your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digit of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in. the processing of such payment You can cancel a scheduled payment by phone at 1. 800 - 3472683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U 5 law You can set automatic payments for (t) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or )iv} a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled portiere for that month will be increased to cover the Minimum Payment Due if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only forthe amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records r- fl dts i-� Amount Full Pay EJ Min Pay Min Pay + El Fixed Bank Routing # Bank Account # Frequency Credit Reporting, We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, borne telephone number and Account number Paying Interest We begin to impose interest charges on a transaction fee or interest charge horn the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period") II you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions(: We calculate interest charges each billing period by first figurrng the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promohonal balances, such os Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance For each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or lees as of the later of the Transaction Date or the first cloy of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adlustments (including those adjustments required in the "Paying Interest" section' How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rale We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rare, we divide he APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We odd all other feesto the standar d Purchase Transaction Category Balance Sublect to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit !Valances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges agaiosi this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD ffelecammvnications Device for the DeaFl assistance, please call 1.800.347.7449. Discover may monitor and %ar record telephone calls between you and Discover representatives for quality assurance purposes The Discoverfecard is issued by Discover Bank, Member FDIC HZNriuu I 30196747 Questions? Visit www.Dlscover.com or call 1- 800 - DISCOVER (1 -800- 347 - 2683, DISCOVER' DISC VER New Balance Minimum Payment Due. Account Number ending in 3208 $4,373.73 $88.00 Enter Amount Enclosed Below Payment Due date January 1, 2012 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone changes Go to www.Discover.com or pant change in space above $1 Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 0000019864587031275 10043737300000000008800 Opening Date: November 4, 2011 • Closing Date: December 3, 2011 Discover Motiva Cord Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $4,423 96 9500 + 000 + 000 + 000 + 000 + 44 77 $4,373 73 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $8,026 00 $2,500 00 52,500 00 Cashback Bonus" Opening Cashback Bonus Balance New Coshback Bonus This Period Pay -On -Time Everywhere Else Cashbook Bonus Balance To temn muse log iriSI www.Dlecover.com Anniversary Month August $ 25 76 + 2 23 + 0 00 $ 27.99 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1.800-DISCOVER (1. 800347 -2683) Please have your Discovermcard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address] For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf, assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $4,373 73 Minimum Payment Due $88 00 Payment Due Date January 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22 24'x, variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Ityoa make no additional charges using this card and each month you pay You will pay off ' the batance shown on Chia statement in about And you will end up paying an esltmtxfed total of . Only the minimum payment 12 years $7,633 $146 3 years $5,242 (Savings = $2,3911 f you would like information about credit counseling services, call 1- 800.347 -1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mores --find easy ways to earn and redeem cosh rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Dec 1 Dec 1 INTERNET PAYMENT - THANK YOU $ .95 00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest 96747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 44 77 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through c -mall or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless en I U I, -suer Ifani Mnmbei NYC PAPS N (IJ 1 U Transactions (cont.) Trans. Post Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD 3 44.77 2011 Totals Year -to -Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 30196747 3 60 00 571 29 Questions? Visit www.Discover.com or call I- 800- DISCOVER (1- 800- 347 - 2683), DISC•V ER DISC VER it pays in DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE Purchases 09/23/2011 and after 09/22/2011 and prior Cash Advances V s Variable Rate RATNi (ApRPERCENTAGE I724o V 1224% V 2399% V 8 Ei 1ANCE SUBJECT TO INTEREST CHARGE $35 01 $4,401 09 $0 $0 50 $44 27 $0 Additional Important Information See your Cerdmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800.347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there rs an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your feller, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may cull us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount fiat, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good forth to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the Following must he true I The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit cord for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Soh Lake City, UT 84130.0945 While we investigate the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do riot send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated an your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will riot receive your check back From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local lime will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream. IL 60197 -6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubnul l as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you con setup automatic payments through a customer service representative by calling 1.800.347.2683 Automahc payments will be deducted on the Payment Due Date unless you request o recurring payment dote (e g the 15th day of the month) that occurs before your Payment Due Dote If yo ur scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day rior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.0.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S low You can set automatic payments for (i) statement New Balance, In) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or liv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay ;_ Min Pay r i Mm Pay+ $ ....._._._- .__._.., i Fixed Bank Routing # Bank Account # Frequency Credit Reporting, We may report information about your Account to credrt bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If ou believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe is You con avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ) "Grace Period ") II you paid the New Balance on your previous billing statement by the Payment Due Dale shown on that billing statement. we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purc}mses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advancer and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We odd all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amounr if your Account is open We will send you a refund of any remaining balance of $1 00 or more after o months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Dtscoveretcard is issued by Discover Bank, Member FDIC tzvrr -tut 30196747 Questions? Visit www.D)scover,corn or call 1 -800- DISCOVER 11- 800.347 - 2683. DISCOVER' DISC VER New Balance S5,349.50 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $109.00 Payment Due Date February 1, 2012 Address, e-mail or telephone changes Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 O0pm ET for same day posting Please see "Notice of Changes to I your Interest Roles" section PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510053495000000000010900 Opening Date: December 4, 2011 - Closing Dale: Janu Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Tronsters Cash Advances Fees Charged Interest Charged Now Balance See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $4,373 73 100 00 + 98764 + 0 00 + 000 + 3500 • 53 13 $5,349 50 $12,400 00 $7,050 00 $2,500 00 $2,500 00 Cashback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance in leoen mum toe in ei www.Discover.com Anniversary Month August $ 2799 + 2 40 $ 30,45 3 Easy Ways to Contact Us I Access your account securely at www,Discover,com 2 Call 1. 800. DISCOVER (1. 800. 347.2683) Please have your Discovereicard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, LIT 84130 (Not a payment address) For payments,_ please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800.347.7449 page 1 of 2 Payment Information New Balance $5.349 50 Minimum Payment Due $10900 Payment Due Date February 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22 24% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example IF you make no ' addihonal charges using this card and each month you pay You will poy off the balance shown an this statement in about And you will rind up paying an estrrrtoted total of - Only the minimum payment 17 years $11,923 $180 3 years $6.494 (Savings -e $5,429 ) II you would like information about credit counseling services, call 1- 800347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more sM --find easy ways to earn and redeem cash rewards NEW' Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Jan 2 Jan 2 INTERNET PAYMENT • THANK YOU $ -100 00 Merchandise 301 86747 Dec 16 Dec 17 Dec 18 Dec 18 Dec 19 Dec 21 Dec 16 Dec 17 Dec 18 Dec 18 Dec 19 Dec 21 KMART ENOLA PA WAL-MART SC .#1886 MECHANICSBURGPA DOLRTREE 2100021469868 ENOLA PA KMART ENOLA PA KMART ENOLA PA PET VALU #5133 ENOLA PA $ 332 79 33 18 22 20 128 52 15 89 3008 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downfoadable, password protected statements • See your statement as soon as d's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Pant o paper copy of your statement anytime • Sign up today at Discover.com /paperless 7:201UDixrn -r Nook Mont. FDIC PARR C171U Transactions Trans. Fost cont.) Date Date Merchandise - Dec 28 Dec 28 EB GAMES #4061 CAMP HILL PA Jan 1 Jan I KMART ENOLA PA Jan 2 Jan 2 STATION, THE NEW CUMBERLANPA -Gasoline Dec 22 Doc 22 HESS 38421 ETTERS PA Supermarkets Dec 17 Dec 17 GIANT 6263 ENOLA PA 010016 Dec 21 Dec 21 GIANT 6263 ENOLA PA 010147 Dec 24 Dec 24 GIANT 6263 ENOLA PA 010018 101 36 10 59 2472 15 02 186 89 38 05 48 35 Fees Jan 1 Jan 1 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 53 13 INTEREST CHARGE ON CASH ADVANCES 0 00 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 53,13 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 35 00 53 13 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1 -800- 347 - 2683. DISCOVER I DISC VER It pays so DISC VER. AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 22.24% on new transactions due to a late payment(s) and its effect on your creditworthiness. This APR will vary with the market based on the Prime Rate.* This change will impact your account as follows; Purchases made on or after 1/23/12: As of 3/4/12, the Penalty APR will apply to these purchases (unless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 1/23/12 and other transactions: Current rates will continue to apply to these purchases and transactions. *This Annual Percentage Rate ( "APR ") equals the U.S. Prime Rate + 18.99% (corresponding daily periodic rate of 0,06093 %). Interest Charge Calculation Your Annual Percentage Rote IAPRI is the annual interest rote on your account Current Billing Period: 31 days TYPE OF BALANCE Purchases 09/23/2011 and after 09/22/2011 and prior Cash Advances V = Variable Rate ATE {AL PERCENTAGE BALANCE SUBJECT TO INTEREST RATE 17 24% V $533 56 12 24% V $4,360 10 23 99% V $0 INTEREST CHARGE $7 81 $45 32 $0 Additional Important Information Soo your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards, Report immediately' Call 1.800. 347.2683. What To Do If You Think You Find A Mistake On Your Statement If you Think there is an error on your statement, write to us at Discover, PO Box 30421, Solt lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not hove to pay the amount in question or any interest or other fees related io that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you we dissatisfied with the oods or services that you have purchased with your credit cord, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must hove been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we maited to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the purchase Purchases made with cash advances from un ATM or with a check that accesses your credit card account do not qualify 3 You must not yet hove fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945. Salt Lake City, UT 8 41 30 -094 5 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or port of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information an your check to make an electronic Fund transfer horn your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as on electronic fund transfer, the transfer will be for the amount of the check When we use information tram your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial '211196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or of you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 60197-6103 Please allow 7-10 days for delivery II your payment is returned unpaid, we reserve the right to resubmit rt as an electronic debit You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1 -800- 347 -2683 Automatic payments will be deducted an the Payment Due Date unless you request a recurring payment date (e gg the 15th day of the month) that occurs before your Payment Due Dale If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account informahon You will be asked to provide the last lour (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allows!: and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800-347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can net automatic payments for (r) statement New Balance, (n) statement Minimum Payment Due, (ui) statement Minimum Payment Due plus a fixed dollar amount, or {iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment far that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess win be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount al your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount U Full Pay U Min Pay U Min Pay + 13 Pay$ .. ................_..._.... -.._., Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as descnbed below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges Daily Balance Method (including current transactions): We calculate interest charges each billing period by first Figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance foi the first day of the billing period is your balance on the lost day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including these adjustments required in the "Paying Interest" section) How We Figure Your Total Interest charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing eriod This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide Pie APR that applies: to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD fTelecommenications Device for the Deaf) assistance, please call 1.800.3477449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes Th ;T7rlttfJCSr7'2Erfd is issued by Discover Bank, Member FDIC eZriffael Questions? Visit www.Discover.com Of call I - 800 - DISCOVER (1- 800347. 2683 }. DISCOVER DISC VER New Balance S5,800.09 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025.1802 Minimum Payment Due S116.00 Payment Due Date March 1, 2012 Address, e-mail or telephone change Go to www,Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below sr Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for some day pouting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510058000900000000011600 Opening Date: January 4, 2012 - Closing Dale: February 3, 2012 Discover Motive Coll! Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $5,349 50 11000 + 494 72 + 0 00 + 0 00 + 0 00 + 65 87 $5,800 09 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit tine Available $12,400 00 $6,599 00 $2,500 00 $2,500 00 Cashback Bonus" Opening Cashback Bonus Balance New Coshback Bonus This Period Pay -On -Time Everywhere Else Cashback Bonus Balance le leers slurs log in mwww.Dlscover.com Anniversary Month August $ 30 45 + 3 29 + 1 23 $ 34,97 3 Easy Ways to Contact Us 1 Access your account securely at www,Discover,com 2 Call 1- 800 - DISCOVER (1.800. 347.2683) Please have your Discover &card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL o0197 -6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800. 347 -7449 page 1 of 2 Payment Information New Balance $5,800 09 Minimum Payment Due $116 00 Payment Due Date March 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 22 24% variable Minimum Payment Warning; If you make only the mini mum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If :yoti make no additional charges using this card and each month you pay You will pay off the balance shown on this statement in about And you will end up paying an estimated total of . Only the minimum payment 19 years $ I4,390 $147 3 years $7,079 (Savings = $7,31 1 l I you would like information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Diacover.com Access free online tools like Poydown Planner to create o plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more!" --find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Feb 1 Feb 1 INTERNET PAYMENT - THANK YOU $ -110 00 Merchandise 30196747 Restaurants Jan 2 Jan 22 Jon 24 Jan 11 Jan 4 GAMESTOP #1845 CAMP HILL PA Jan 22 KMART ENOLA PA Jan 24 RITE AID ENOLA PA Jan 11 MCDONALD'S F1965 ENOLA PA $ 58 76 33 84 30 00 16 28 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlocldable. password protected statements • See your statement as soon os it's available rather than wait for ii to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com /paperless 7r Je I U U•tcnv ^r bark rAwnber HYt.: PAPER U31 U Transactions Trans. Post (cont.) Dote Dote Restaurants Jan 27 Jan 27 CANTEEN VENDING V 8668995849 PA $ 2 75 Gasoline Jan 26 Jan 26 SHELL 57543471007 ENOLA PA 10 00 Automotive Jan 3 Jan 4 ADVANCE AUTO PARTS #1238 ENOLA PA 8 46 Jan 14 Jan 14 OUTBACK TOYS LITITZ PA 28 95 Services Jan 15 Jan 15 VIRGIN MOBILE USA 888.322.1122 VA 38 10 08751415WXGKL3ET Supermarkets Jan 4 Jan 4 GIANT 6263 ENOLA PA 35 99 010006 Jan 5 Jan 5 GIANT 6263 ENOLA PA 24 47 010050 Jan 9 Jon 9 GIANT 6263 ENOLA PA 56 36 010036 Jan 10 Jan 10 GIANT 6263 ENOLA PA 34 85 010020 Jan 16 Jan 16 GIANT 6263 ENOLA PA 5088 010007 Jan 16 Jan 16 GIANT 6263 ENOLA PA 13 00 010014 Home Improvement Jan 4 Jan 4 LOWE'S OF MECHANICSBURG. MECHANICSBURGPA 52 03 Foos TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 65 87 INTEREST CHARGE ON CASH ADVANCES 000 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 65.87 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 3500 11900 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800- 347 - 2683), DISC•VER DISC VER` It pays so DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rote on your account Current Billing Period; 31 days TYPE OF BALANCE Purchases 09/23/2011 and after 09/22/2011 and prior Cash Advances V . Variable Rate RAE (A L PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE 17 24% V $1,436 60 12 24% V $4,312 33 23 99% V $0 $21 05 $44 62 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediatelyr Call 1.800347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account mfarmanoe Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 doys after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate arty potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissahsRed with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must he true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services I 2 You must have used your credit card for the pin chose Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our rnvestigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you cis delinquent Payments. You may pay all or pad of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your check or to process the payment as a check transaction II payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information ham your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive you, check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other (tams with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local lime will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103 Please allow 7 -10 doys for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay your monthly Minimum Payment Due, or ❑ greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic paymentsihrough a customer service representative by calling 1.800. 347.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment dale fe g the 15th day of the month( that occurs before your Payment Due Dale If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1. 800.347-2683 or by marl at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (nil statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records Amount El Full Pay r Min Pay ❑ Mm Pay + $_, Fixed Pay$ Bank Routing # Bank Account if , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19650.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on. Purchases I "Grace Period "( If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Dote on your current billing statement New Purchases are Purclloses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method [including cut-rent transactions): We calculate interest charges each billing period by first figuring the' "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section( How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rote We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR tfiat applies to the Transaction Category by 365 We add up all the daily interest charges Tire sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standai d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Sublect to Interest Rare It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800- 347.7449, Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover°card is issued by Discover Bank, Member FDIC KLNreuui 301 96747 Questions? Visit www.DIscover,com or call 1. 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER' DISC VER New Balance $6,107,45 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 1 7025 -1 802 Minimum Payment Due: $123.00 Payment Due Date April 1, 2012 Address, e-mail or telephone changee Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below $ Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be mode by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510061074500000000012300 Opening Date: February 4, 2012 - Closing Date: March 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $5,800 09 Payments And Credits - 130 00 Purchases + 37190 Balance Transfers + 0 00 Cash Advances + 0 00 Fees Charged + 0 00 Interest Charged + 65 46 New Balance $6,107 45 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $6,292 00 $2,500 00 $2,500 00 Cashback Bonus' Opening Cashback Bonus Balance New Cashback Bonus This Period Pay -On -Time Everywhere Else Cashback Bonus Balance To team roo.e fog in orwww.Discover.com Anniversary Month August $ 34 97 3 27 0 92 $ 39.16 3 Easy Ways to Contact Us 1 Access your account securely at vwrw,Discover.com 2 Coll 1- 800 - DISCOVER (1.800.347 -2683) Please have your Discoverer card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD {Telecommunications Device for the Deaf) assistance, please call 1. 800. 347.7449 page 1 of 2 Payment Information New Balance $6,107 45 Minimum Payment Due $123 00 Payment Due Date April 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning; If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Ilyou make no additional charges using, this card and each month you pay You will pay off . the balance shown an this staternertt ;in about :Arid you will end up paying an estimated total of Only the minimum payment 2) years $17,588 $208 3 years $7,496 (Savings = $10,092 1 I you would like information about credit counseling services, all 1- 800.347 -1121 Manage Your Account Online at www,Discover.com Access free online tools Irke Paydown Planner to create a plan to pay down your balance, securely access statements, pay bill• online and easily track all transactions Make your money worth more r'^" Find easy ways to earn and redeem cosh rewards NEW1 Access your account securely through your mobile phone Transactions Payments and Credits Trans, Past Date Date Mar 1 Mar 1 INTERNET PAYMENT - THANK YOU .130 00 Merchandise 30196747 Gasoline Feb 15 Feb 15 RITE AID NEW CUMBERLANPA Feb 16 Feb 16 RITE AID ENOLA PA Feb 22 Feb 22 RITE AID E NOLA PA Feb 14 Feb 14 GIANT 6263 ENOLA PA $ 10 00 43 71 10 00 2011 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 2.4 months of downloadable, password protected slatements • See your statement as soon as l's available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discaver.com /paperless 1;2011: Drscnver hunk Member nbr. PAPLK 0310 Transactions Trans. Post (cont.) Data Dale Gasoline 010123 Feb 21 Feb 21 HESS 38421 ETTERS PA 20 00 Feb 28 Feb 28 HESS 38421 ETTERS PA 15 01 Services Feb 15 Feb 15 VIRGIN MOBILE U5A 888.322.1 122 VA 38 10 454928701 YNUYWX3 Feb 23 Feb 23 SARAA MIDDLETOWN PA 20 00 Supermarkets Feb 14 Feb 14 GIANT 6203 ENOLA PA 31 52 010041 Feb 16 Feb 16 GIANT 6263 ENOLA PA 41 08 010090 Feb 16 Feb 16 GIANT 6263 ENOLA PA 13 00 010096 Feb 20 Feb 20 GIANT 6263 ENOLA PA 14 69 010001 Feb 21 Feb 21 GIANT 6263 ENOLA PA 47 91 010239 Medical Services Feb 16 Feb 16 GOOD HOPE FAMILY PHYSICI ENOLA PA 1500 Home Improvement Feb 19 Feb 19 LOWE'S OF HARRISBURG, PA HARRISBURG PA 31 77 Fees TOTAL FEES FOR THIS PERIOD $ 0,D0 Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 65 46 0 00 0 00 65.46 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 3500 184 46 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1 -800. 347 - 26831. DISCOVER DISC VER k pays io DISC VER. AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rale (APR( is the annual interest rate on your account Current Billing Period; 29 days TYPE Of BALANCE RATE {A PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE Purchases 09/23/2011 and after 17 24% V $1,765 79 $24 18 09/22/2011 and prior 12 24% V $4,244 95 $41 28 Cash Advances 23 99% V $0 $0 V e Variable Rote Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1- 800.347 -26B3, What To Do If You Think You Nod A Mistake On Your Statement IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 8.1130-U21 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do riot have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good lath to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must betrue 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services) 2 You must have used your credit card For the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic Fundtranster from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper foam at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER You can pay u monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800. 347.22683 Automatic payments will be deducted an the Payment Due Date unless you request a recurring payment date le g 15th day of the month( that occurs before your Payment Due Dote If your scheduled payment date falls on a weeken or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account inFormonon You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also author ze us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421 Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all Transactions must comply with U S law You can set automatic payments for (i) statement New Balance, le) statement Minimum Payment Due, Irnl statement Minimum Payment Due plus a fixed dollar amount, or led a fixed dollar amount if your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment a reater than the Minimum Payment Due, any excess will be applied in accordance well your Cardmember Agreement 1Fyour scheduled payment is greater than the New Balance on your bilm statement, that payment will be processed only for the amount of your Now Balance Your automatic Payment amount may he less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enrol by phone in our automatic payment service, please filler the following blanks below and retain the authorization for your records Amount ❑ Full Pay Ell Mm Pay ❑ Mm Pay + $, ❑ Fixed Bank Routing * Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If ou believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest an Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New l]alance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in Full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases Hew We Calculate Interest Charges - Daily Balance Method (including current transoctians)r We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and diFfereni promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We odd any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its doily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To gel a daily periodic rare, we divide the APR that applies to the Transaction Category by 365 We add up all the doily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standee d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each Transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device For the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover ®card is issued by Discover Bank, Member FDIC ehmtuii 30196747 Questions? Visit www.Dlscover.com or call I. 800 - DISCOVER (1 -800- 347 - 26831. DISC•VER DISC VER New Balance $7,157.63 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $144.00 Payment Due' Vote May 1,2012 Address, e-mail or telephone change2 Go to www.Discover.cam or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and inteinet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510071578300000000014400 Opening Date: March 4, 2012 - Closing Dale: April 3, 2012 Discover Motive Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $6,107 45 135 00 + 1,099 39 + 0 00 + 0 00 + 0 00 + 85 99 $7,157 83 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $5,242 00 $2,500 00 $2,500 00 Cashback Bonus'; Opening Cashback Bonus Balance New Cashback Bonus This Period Pay -On -Time Everywhere Else Cashback Bonus Balance ro learn mere tog Jo at www.Discover.com Anniversary Month August $ 39 16 + 4 29 4 274 $ 46.19 3 Easy Ways to Contact Us 1 Access your account securely al www.Discover.com 2 Call 1- 800-DISCOVER (1800. 347 -2683) Please have your Discoverryecard available 3 Write to us ut Discover. PO Box 30943, • Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please cat 1.800. 347.7449 page 1 of 2 Payment Information New Balance $7,157 83 Minimum Payment Due $144 00 Payment Due Date May 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you wit pay more in interest and it will take you longer to pay off your balance For example If`yoa; sake no additional charges using this card and each month you pay .You will pay off `the balance shown on this statement, in about And you will end • up paying an estimated total of . Only the minimum payment 26 years $25,877 $250 $8,990 3 years ;Savings = $16,887 ) f you would like information about credit counseling services, call 1.800.347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moresm • - -find easy ways to earn and redeem cosh rewards NEWt Access your account securely through your mobile phone Transactions Payments and Credits Trans. Post Date Date Apr 1 Apr 1 INTERNET PAYMENT - THANK YOU $ .135 00 Merchandise Mar 16 Mar 16 RITE AID ENOLA PA Mar 19 Mar 19 RADIOSHACK 00120535041 ENOLA PA 30/96747 Mar 19 Mar 19 RITE AID ENOLA PA Mar 20 Mar 20 DOLRTREE 2100021460868 ENOLA PA $ 56 00 23 31 56 00 1106 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlaadable, password protected statements • See your statement as soon os it's available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through e•moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless V2010 Distmer Nark Mrnnhes 1:17K FAiLR 0710 Transactions Trans, Post (cont.) Date Date Merchandise Mar 20 Mar 20 KMART ENOLA PA 70 80 Restaurants Mar 19 Mar 19 MCDONALD'S F1965 ENOLA PA 15 63 Gasoline Mar 14 Mar 14 0095610 CHEVRON 0095 CORNING CA 50 68 Mar 19 Mar 19 HESS 38421 ETTERS PA 20 01 Mar 21 Mar 21 HESS 38421 ETTERS PA 10 00 Automotive Mar 6 Marti ADVANCE AUTO PARTS #1238 ENOLA PA 12 69 Travel /Entertainment Mar 14 Mar 14 MOTEL6 00013052252 SACRAMENTO CA 50 80 Mar 14 Mar 14 BEST WESTERN TREEHOUSE MOUNT SHASTA CA 126 21 Mar 15 Mar 15 ENTERPRISE CAR RENTA SACRAMENTO CA 255 09 Services Mar 15 Mar 15 VIRGIN MOBILE USA 888.322 -1122 VA 38 10 785084232ZRO52CH Supermarkets Mar 16 Mar 16 GIANT 6263 ENOLA PA 19 26 010094 Mar 20 Mar 20 GIANT 6263 ENOLA PA 215 55 010011 Mar 20 Mar 20 GIANT 6263 ENOLA PA 13 00 010012 Mar 21 Mar 21 GIANT 6263 ENOLA PA 55 20 010171 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 85 99 INTEREST CHARGE ON CASH ADVANCES 000 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 85.99 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 35 00 270 45 Questions? Visit www.Discover.cotn or call I - 800 - DISCOVER (1- 800 - 347 - 2683). DISCl/JIVER' DISC VER it pays to DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE T INTEREST RATE Purchases 01/23/2012 and after 22 24% V $1,064 56 $20 12 09/23/2011 to 01/22/2012 17 24% V $1,537 95 $22 50 09/22/2011 and prior 12 24% V $4,171 313 $43 37 Cash Advances 2399% V $0 $0 V ei Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Cal 1.800.347•2683. What Ta Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt lake City, UT 84130-0421 In your letter, give us the folowing information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potentrol errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are iesponsrble for the remainder of your balance We can apply any unpaid amount against your credit lituit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods ar services that you -hove purchased with your credit cord, and you have tried in good faith Io correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services) 2 You must hove used your cede card for the purchase Purchases made with cash advances from an ATM or with o check that accesses your credit cried account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you ore still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake Cray, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date .Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the scene day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, If you send the payment o any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Munrmum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800- 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dole le g the 15th day of the month) that occurs before your Payment Due Dale If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as plicable, to correct error in the processing of such payment You can cancel a scheduled payment by phone at 1 cm 00.347.2683 or by mad at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U 5 low You can set automatic payments for (i) statement New Balance, Iii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to covet the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is g realer than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount may he less than the amount indicated on the periodic statement based on credits or payments alter the Closing Dote If you enroll by phone in our automatic payment service, please filler the following blanks below and retain the authorization for your records Amount lJ Full Pay ~i Min Pay ❑ Min Pay + $ —_., n Fixed PoyS__._..-_-_.- Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account amber Paying Interest: We begin to impose interest charges on a transaction fee or 'merest charge from the day we add a to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can ovoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ("Grace Period ") II you paid the New -BBalance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of o new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ore Purcases that First appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do riot pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Doily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers How We Figure the Daffy Balance fur Each Transaction Category We start with the beginning balance for each day The beginning balance for the First day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the 'Toying Interest" section' How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies la the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate, Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. II your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amounr if your Account is open We will send you a refund of ally remaining balance of $ 1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf' assistance, please call 1•800•347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover ®card is issued by Discover Bank, Member FDIC ez>`teoa t 30196747 Questions? Visit www.Dlscover.com or call 1- 800- DISCOVER (1 -800- 347- 2683). DISC•VER I DISC VER New Balance $9,661.10 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $338,00 Payment Due Dale June 1, 2012 Address, e-mail or telephone chaige2 Go to www,Discover,corn or print change in space above Account plumber ending is 3208 Enter Amount Enclosed Below $1 Please make check payable to Discover Card Minimum payment due includes a post due amount of S i44 00 Phone and Internet payments must be made by 5 OOpm ET For some day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510096611000000000033800 Opening Date: April 4, 2012 - Closing Date: May 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $7,157 83 0 00 + 2 , 3 5 5 5 1 + 0 00 + 0 00 + 35 00 + 11276 $9,661 10 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $12,400 00 $2,738 00 $2,500 00 $2,500 00 Cashback Bonus" Anniversary Month August Opening Cashbook Bonus Balance $ 46 19 New Cashbook Bonus This Period + 22 94 Cashback Bonus Balance $ 69.13 Ta learn male lip in ai www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely of www.Discover.com 2 Call I.800•DISCOVER (1.800-347.2683) Please have your Discoverea card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address an remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449 page 1 of 2 Payment Information New Balance $9,661 10 Minimum Payment Due' $338 00 Payment Due Date June 1, 2012 'Includes past due amount of $144 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges using this cord and each month you pay You will pay off the Mimeo Shown on this statement in about And you will end up paying an estimated tots! of Only the minimum payment 36 years $46,683 $345 3 year" Savings = $34,256 ) f you would like information about credit counseling services, colt 1.800.347.1121 Manage Your Account Online at www,Dlscover.com Access free online tools like Poydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more SM —find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Merchandise 30196747 Trans. Date Apr 14 Apr 21 Apr 22 Apr 22 Post Date Apr 14 Apr 21 Apr 22 Apr 22 Apr 22 Apr 22 Apr 26 Apr 26 RADIOSHACK 00120535941 ENOLA PA GAP 47232/THE NEW YORK NY TOYS 'R' US NEW YORK NY THE LEGO STORE NEW YORK NY 07650003000450 NIKETOWN NEW YORK 84 NEW YORK NY RITE AID ENOLA PA $ 6 34 269 82 64 69 233 47 130 66 36 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon as its available rather than wail for it to arrive in your mailbox. • Get helpful payment reminders through e•rnail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless �L "•'.'i)t r1 D.x:rnnr hook l esbe. Fi)• PAPLR 10 10 Transactions (cant.) Trans. Post Dab Date Restaurants Apr 21 Apr 21 BIG APPLE NEW YORK NY 24 00 Apr21 Apr 21 PRONTO PIZZA NEW YORK NY 25 50 May 2 May 2 CANTEEN VENDING MALVERN PA 2 75 May 2 May 2 CANTEEN VENDING MALVERN PA 1 00 May2 May2 CANTEEN VENDING MALVERN PA 2 50 Gasoline Apr 14 Apr 14 TURKEY HILL #280 ENOLA PA 11 56 Apr 17 Apr 17 SHELL 57543471007 ENOLA PA 25 00 Apr 20 Apr 20 TORR'S VALERO WATCHUNG NJ 52 02 Apr 23 Apr 23 HESS 38421 ETTERS PA 21 00 Apr 26 Apr 26 GIANT 6263 ENOLA PA 10 01 010020 Travel /Entertainment Apr 17 Apr 17 TRAVELOCITY HOTEL RESERV 800 - 256 -9089 TX 727 62 Services Apr 15 Apr 15 VIRGIN MOBILE USA 888.322-1122 VA 38 10 13011073A0VUC3IsIE Apr 16 Apr 16 VERIZON "ONETIMEPAYMENT 800.VERIZON TX 279 89 572510488145009115 Apr 22 Apr 22 TIMES SQUARE GARAGE038 NEW YORK NY 50 00 000013 Supermarkets Apr 15 Apr 15 GIANT 6263 ENOLA PA 40 97 010160 Apr 15 Apr I5 GIANT 6263 ENOLA PA 506 010051 Apr 10 Apr 19 GIANT 6263 ENOLA PA 38 51 010008 Apr 24 Apr 24 GIANT 6263 ENOLA PA 46 00 010039 Medical Services Apr 26 Apr 26 PHMG•GOOD HOPE FAMILY PH ENOLA PA 15 00 Education Apr 25 Apr 25 EAST PENNSBORO SCHOOL ENALA PA 12 50 Department Store Apr 21 Apr 21 CENTURY TWENTY ONE #10 NEW YORK NY 184 64 Fees May I May 1 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 112 76 INTEREST CHARGE ON CASH ADVANCES 0 00 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 112,76 2ao2ge Year- to-Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 $ 7000 383 21 Questions? Visit www.Discover.com or coil 1- 800 DISCOVER (1- 800. 347 - 2683]. DISC•VER' DISC VER I! pays ro DISC VER. AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period: 30 days TYPE OF BALANCE ANNUAL AL PERCENTAGE BA RECT SUBJECT TO INTEREST CHARGE Purchases 01/23/2012 and after 22 24% V $2:701 04 $49 38 09/23/201110 01/22/2012 17 24% V $1,560 24 $22 10 09/22/2011 and prior 12 24;% V $4,102 57 $41 28 Cash Advances 23 99% V $0 $0 V = Variable Rale Information For You "" ATTENTION • * Your account is past due Please pay the past due amount now, or contact us to make other arrangements Additional Important Information See your Cardmember Agreement, Your Cardrnernber Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call I.800.347.2683. What To Do If You Think You Find 4 Mistake On Your Statement If you think these is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130 -0421 In your letter, give us the following information Account information Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it rs a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors rn writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your stoternent, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will riot have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase won based on an advertisement we mailed to you , or if we own the company that sold you the goods or services 2 You must have used your credit card for the purchase Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid For the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Solt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at anytime However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope p3 ovided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated an your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information Isom your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or ii you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will he credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover. PO Bon 6103, Carol Stream, IL 60197 -6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 14800.347.2683 Automatic payments will be deducted an the Payment Due Dale unless you request a recurring payment date (e9 , the 15th do of the month) that occurs before your Payment Due Dale If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, lui) statement Minimum Payment Due plus a fixed dollar amount, or Irv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your:monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Mini mum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale If you enroll by phone in our automatic payment service, please hll•in the following blanks below and retain the authorization for your records Amount Cl Full Pay LI Min Pay n Mm Pay + $___. ___ ❑ Fixed Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot ovoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period') If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that First appear on the currant billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges Daly Balance Method (including current transactions)t We calculate interest charges each billing period by First figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous killing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make otheradlustments (including those adlusiments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up of the daily interest charges The sum is the total interest charge for the billing period Haw We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add oll other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate II shows this for each transaction category The Balance Sublect to Interest Rale is the average of the daily balances during the billing period Credit Balances. II your Account has o credit balance, the amount rs shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or at otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1- 800.347.7449. Discover may monitor and /or record telephone calls between you and Discoverrep+esentatives far quality assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC xura soa 30196747 Questions? Visit www,DIscover.com or call 1. 800 - DISCOVER (1- 800 - 347 - 26831. DISC•VER DISC VER New Balance S9,944.41 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $199,00 Payment Due Bate July 1, 2012 Address, e-mail or telephone chongee Go la www,Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET for same day posting PO BOX 71084 CHARLOTTE NC 28272-1084 000001986458703127510099444100000000019900 Opening Date: May 4, 2012 - Closing Date: June 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance See Interest Charge Calculation section $9,661 10 350 00 + 486 69 + 0 00 + 0 00 + 0 00 + 146 62 $9,944 41 fallowing transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit line Cash Advance Credit line Available $10,000 00 $55 00 $2,000 00 $55 00 Cashback Bonus't Opening Cashbook Bonus Balance New Cashbook Bonus This Period PayOTimo + 7 33 Everywhere Else + 4 86 Redeemed This Period 50 00 Cashbook Bonus Balance $ 31.32 ru ieum more lug in in www.Dlscover.com Anniversary Month August 69 13 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Coll I -800- DISCOVER 11. 800. 347 -26831 Please have your Discoverc''card available 3 Write to us at Discover. PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Coral Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deofl assistance, please call 1-800-347-7449 page 1 of 2 Payment Information New Balance $9,944 41 Minimum Payment Due $199 00 Payment Due Date July 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new hansachons may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more In interest and it will take you longer to pay off your balance For example II you make no additional charges using Ihic card and each month you pay :You will pay off . the balance shown on this statement ;In about And yoiu will end up paying an estimated total of . Only the minimum payment 38 years $50,965 $357 3 years $12.869 Savings = $38,0961 f you would like information about credit counseling services, call 1- 800 - 347 -1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth mare" —find easy ways to earn and redeem cosh rewords NEWI Access your account securely through your mobile phone Transactions Trans, Date Payments and Credits May 5 Jun 1 Post Date May 5 INTERNET PAYMENT • THANK YOU $ -170 00 Jun I INTERNET PAYMENT - THANK YOU 180 00 4414 e747 Restaurants Automotive May 16 May 16 TOYS 'R' US MECHANICSBURGPA May 3 May 4 DENNY'S INC MECHANICSBURGPA May 9 May 9 NTB 598 MECHANICSBURGPA $ 254 39 60 75 23 o2 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of dowaloodable, password protected statements • See your statement as soon as its available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through e•moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.com /paperless L7201 ii Jmnver !wok 1 i nbci FDC PAPER 07 Ill Transactions Trans. Post (cont.) Date Date Automotive 0000530381799 WI Services May 15 May 15 VIRGIN MOBILE USA 888-322-1122 VA 38 10 46226940F1ZPUD61 May 18 May 18 LIFETOUCH NSS ONLINE PAY EDEN PRAIRIE MN 44 00 Supermarkets May 2 May 4 GIANT 6263 ENOLA PA 65 83 010091 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 146 62 INTEREST CHARGE ON CASH ADVANCES 0 00 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 146.62 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 7000 529 83 Questions? Visit www.Discover.com or call I - 800 - DISCOVER (1 -800- 347 - 2683 :, DISCOVER' DISC VER It pays iv DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rale on your account Current Billing Period, 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 Ia 01/22/2012 09/22/2011 and prior Cash Advances V se Variable Rate ANNUAL PERCENTAGE BALANCE S SECT TO INTEREST CHARGE P RATE 22 24% V 1724% V 1224:0 V 2399% V $4,354 23 $1,582 87 $3,963 15 $o $82 25 $23 17 $41 20 $0 Additional Important Information See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Calf 1- 800. 347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account information Your name and account number Dofgr acne nt The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been on error, the following are true We cannot try to collect the amount in question, or report you as delinquent at that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or ony interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be hue 1 The purchase must hove been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services} 2 You must hove used your credit card for the purchase Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will taN you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the lop portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic. fund transfer, the transfer will be for the amount of the check When we use information tram your check to make an electronic fund transfer, funds may be with drawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or If you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day IF you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, 11 60197.6103 Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it es on electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date le , 15th day of the •monthl that occurs before your Payment Due Date If your scheduled payment date Falls on a weekend r bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, ham your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it writ be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (ii) statement Minimum Payment Due, pit) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as fisted on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is reater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement Ifgyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only For the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please Minn the Following blanks below and retain the authorization for your records Amount 0 Full Pay i_ Min Pay {--� I_J Min Pay + $ ❑ Fixed Pay$.___._____._____, Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover. PO Box 15316, Wilmington, DE 198505316 Please indicate your name, address, home telephone number and Account number Paying Interests We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the NewBalatce on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period an new Purchases How We Calculate interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance For Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adlustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a doily periodic rare, we dine the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standar d Purchase Transaction Category Balance Subject to Interest Rale. Your statement shows a Balance Sublect to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the overage of the daily balances during the billing period Credit Balances, If your Account hos a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discovertecard is issued by Discover Bank. Member FDIC UM' Wut 30196747 Questions? Visit www,Dlseovor.com or call 1- 800- DISCOVER (1- 800. 347. 2683). DISCOVER' DISC VER" New Balance Minimum Payment No $10,176.13 $403.00 Payment Due Date August 1, 2012 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025.1802 Address, e-mail or telephone change: Go to www•Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card You ore overlimil Pay the sum of the monthly minimum payment plus the overlimit amount of 5176 13 PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510101761300000000040300 Opening Date: June 4, 2012 - Closing Date: July 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $9,944 41 0 00 + 51 33 + 0 00 + 0 00 + 35 00 + 145 39 $10,176 11 See Interest Charge Calculation section following Iransactions for detailed APR Information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $ 0 00 $2,000 00 t0 00 Cashback Bonus" Ann iversa ry Month August Opening Cashback Bortus Balance $ 31 32 New Cashback Bonus This Period + 0 51 Cashback Bonus Balance $ 31.83 To term more log rt ei.www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.cem 2 Call 1.800 - DISCOVER 11.800.347 -2683 Please have your Discoverihcard available 3 Write to us at Discover PO Box 30943, Salt Lake City, UT 84190 (Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1L 60197.6103 For TDD 1Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449 page 1 of 2 Payment Information New Balance $10,176 13 Minimum Payment Due. $403'00 Payment Due Dote August 1, 2012 `Includes past due amount of $199 00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $3500 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24 ro variable Minimum Payment Warnings If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example II you make no additional Charges . using.this.card and each month you pay You will pay off the balance shown On this statement in about And you will end up paying an estimated total of,: Only the minimum payment 38 years $51,839 If you would like information about credit counseling services, call 1.800.347 -I121 Manage Your Account Online at www.Dlscover.com Access free anluie toots like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more sm —find nosy ways to earn and redeem casts rewords NEW' Access your account securely through your mobile phone Transactions Restaurants Gasoline Trans. Date Jun 15 Jun 19 Post Date Jun 15 Jun 19 PIZZA HUT #84430339835 CAMP HILL PA TURKEY HILL #280 ENOLA PA $ 31 27 20 06 Fees Jul 1 Jul 1 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35.00 '3109%747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS $ 14539 0 00 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downtocidable, password protected statements • See your statement as soon as irs available rather than wait for it to arrive in your mailbox. • Gel helpful payment reminders through e•mait or text messages on your mobile phone • Print o paper copy of your statement anytime • Sign up today at Dtscover.com /paperless '02010 air.:rnrr Bunk t0.m. S , FOC_ PAPER (S I u Transactions (cont.) Trans. Post Date Dote Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 145,39 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 10900 675 22 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1 -800- 347- 2683j. DISC•VER' DISC VER It pays to DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period' 30 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V Variable Rate ANNUAL PERCENTAGE B INTEREST E SUBJECT TO INTEREST CHARGE 22 24% V 17 24% V 12 24% V 2399% V $4,592 59 $1,605 84 $3,845 79 $0 $83 97 $22 75 $38 67 $0 Additional Important Information See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1- 800.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following !nice matron Account Information Your name and account number Dollar empunl The dollar amount of the suspected error Description of Problem If you think there is an error on your bill describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there hos been an error, the Following are true We cannot try to collect the amount rn question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees reloted to that amount While you do not have to pay the amount in question, you are responsible for the remainder oF your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchosed with your credit card, and you hove tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made to your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goads or services ) 2 You must have used your credit curd for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130 -0945 While we investigate, the same rules apply to the disputed amount as discussed above After we Finish our investigation, we will tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer horn your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information rf om your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back horn your hnancial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM beat time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dale leg the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment You can cancel o scheduled payment by phone at 1.90.347.2693 or by mail at Discover, PO Box 30.421, Sall lake City, UT 84130.0421, however we must receive notice at least three busmen days in advance of the scheduled payment IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments For (r) statement New Balance, (n) statement Minimum Payment Due, (m) statement Minimum Payment Due plus a fixed dollar amount, or fiv) a fixed dollar amount If your scheduled fixed payment rs not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement If -your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fi len the following blanks below and retain the authorization for your records �-• Amount fl Full Pay _l Min Pay t._.] Min Pay + El Fixed Bank Routing li Bank Account i< , Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If ou believe that our report is inaccurate or incomplete, please write us at the blowing address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge From the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot ovoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New-Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that First appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on now Purchases How We Calculate Interest Charges • Daily Balance Method )including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the first day of the billing period is your balance on the Mast day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments 'including those adjustments required in the "Paying Interest" section) Hew We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We odd up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on t'he front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 0 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7419. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover °card is issued by Discover Bank, Member FDIC uanttoot 301 967147 Questions? Visit www.D1 covor.com or call 1- 800 - DISCOVER (1 -800- 347 - 26831. DISCOVER DISC VER New Balance $9,799.22 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due. $196.00 Payment Due bate September 1, 2012 Address, e-mail or telephone changee Go to www.Diuover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover corn or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET For some day posting PO BOX 71 084 CHARLOTTE NC 28272-1084 000001986458703 127510097992200000000019600 Opening Date: July 4, 2012 - Closing Date: August 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $10,176 13 526 13 + 0 00 + 0 00 + 0 00 + 0 00 + 149 22 $9,799 22 See Interest Charge Calculation section following Transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $ 200 00 $2,000 00 $200 00 Cashback Bonus* Opening Cashback Bonus Balance New Cashback Bonus This Period Pay On -Time Everywhere Else Cashback Bonus Balance to teem cue lord roorwww,Discover.com Anniversary Month August $ 31 83 + 7 46 + 0 00 $ 39.29 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Coll 1- 800 - DISCOVER (1.800- 347 -2683) Please have your Dmscoverecard available 3 Write to us ut Discover, PO Box 30943, Sall Lake City, UT 84130 (Not a payment address) Far payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800- 347 -7449 page 1 of 2 Payment Information New Balance $9,799 22 Minimum Payment Due $196 00 Payment Due Date September 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If you make no additional charges u,rrrg this card and each month you pay You will pay off the balance shown an Ihls statement in abpet And yttu will hrtd up payrN an 9sli.m s:fed total of . Only the minimum payment 38 years $50,203 $353 3 years $1 2,723 (Savings = $37,480) If you would like information about credit counseling services, call 1- 800.347 -1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more.... -Find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Jul 9 Jul 31 Post Date Jul 9 INTERNET PAYMENT • THANK YOU Jul 31 INTERNET PAYMENT - THANK YOU $ •450 00 -76 13 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 In sfCfs`hfje`at INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 149 22 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up Io 24 months of downloadable, password protected statements • See your statement as soon as Is available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through c•rnail or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today of Discover.com /paperless 9;2016 Darn :r Nr nk Mmnber tU-C ': APLK ma i u Transactions (cant.) Interest Charged Trans. Post Date Dote INTEREST CHARGE ON BALANCE TRANSFERS $ 0 00 TOTAL INTEREST FOR THIS PERIOD 149.22 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 105 00 824 44 Questions? Visit www.Discover.com or call 1 -800- DISCOVER (1- 800.347 - 2683). DISCOVER DISC VEIL paysIn DISC VER. AMANDA D BEAHM Account number ending in 3208 page 2 of 2 interest Charge Calculation Your Annual Percentage Rafe (APR) is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE ANTE PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE Purchases 01/23/2012 and after 22 24% V $4,686 34 $88 55 09/23/2011 to 01/22/2012 17 24% V $1,629 10 $23 82 09/22/2011 and prior 12 24% V $3,545 88 $36 85 Cash Advances 23 99% V $0 $0 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1. 800 ^347.2683. What ro Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Sox 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account information Your name and account number Pam amount The dollar amount of the suspected error Description of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared an your statement You must notify us of any potential enors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases IF you ore dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based an an advertisement we marled to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not quality 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision Al that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Dote Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be For the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30/ 96747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment dale , 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dale Falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to coirect an error in the processing of such payment You con cancel a scheduled payment by phone at 1.800347.2683 or by mail at Discover, PO Box 30421, Sall Lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will +el you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (t+) statement Minimum Payment Due, /nil statement Minimum Payment Due plus a Reed dollar amount, or (lel a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due IF the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement IF your scheduled payment is greater than the New Balance on your billing statement, thot payment will be processed only For the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date IF you enroll by phone in our automatic payment service, please hll•in the following Wanks below and retain the authorization for your records Amount ❑ Full Pay t~.'' Mm Pay El Min Pay + $__ _ _ __, ❑ Fixed Pay$ Bank Routing # , Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit reporting agencies each month If you believe that our report in inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction Fee or interest charge from the day we add it to the doily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest an Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purclsases that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance For the Irst day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments lincluding those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges • We multiply the doily balance For each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rare. we divide the APR that applies to the Transaction Category by 365 We add up all the doily interest charges The sum is the total interest charge Far the billing period How We Include Fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction C oregory Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1'800. 3117.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discoverrr'card is issued by Discover Bank, Member FDIC SZraeau 30/ 96747 Questions? Visit vrww.Discover.corn or call 1-800- DISCOVER (1- 800 - 347 - 26831. DISC•VER' I DISC VER New Balance $9,992.63 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due $401.00 Payment Due'Da'te October I, 2012 Address, e-mail or telephone changer Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card Minimum payment due includes a past due amount of $196 00 Phone and Internet payments must be made by 5 OOpm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272.1084 000001986458703 27510099926300000000040100 Opening Date: August 4, 2012 - dosing Date: September 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $9,799 22 0 00 + 877 + 000 + 000 + 3500 + 149 44 $9,992 63 See Interest Charge Calculation section Following transactions for detailed APR information Credit Line Credit Line Available Cosh Advance Credit Line Cash Advance Credit Line Available $10,000 00 $7 00 $2,000 00 $7 00 Cashback Bonus" Opening Ceshbock Bonus Balance New Cashbook Bonus This Period Cashback Bonus Balance Is Isom isms ku to otwww.Discaver.com Anniversary Month August $ 39 29 + 0 02 $ 39.31 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.cem 2 CaR 1.800•DISCOVER (1800.347 -2683) Please have your Discovermcard available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device For the Deaf) assistance, please call 1-800-347.7449 page I of 2 Payment Information New Balance $9,992 63 Minimum Payment Due' $401 00 Payment Due Date October 1, 2012 'Includes past due amount of $196 00 tate Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Fee of up to $35 00 and your purchase and balance transfer APRs far new transactions may be increased up to the Penalty APR or 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer io pay off your balance For example If you matte no odditronp( Charges using this card and each month you pay YOU wilt pay Off the balance shown on this statement In about And you will end up payirsg or estimated total of., Only the minimum payment 38 years $50,618 i you would like Information about credit counseling services, call 1-800347-1121 Manage Your Account Online at www,Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth moreSm —fed easy ways to earn and redeem cash rewords NEW, Access your account securely through your mobile phone Transactions Restaurants Trans. Post Date Date Aug 21 Aug 21 MCDONALD'S F 1965 ENOLA PA 8 77 Fees Sep 1 Sep I LATE FEE TOTAL FEES FOR THIS PERIOD $ 3500 35.00 Interest Charged 30196747 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 149 64 0 00 0 00 149.64 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean less clutter, more convenience Easily access up to 24 months of downlaadable. password protected statements • See your statement as soon as irs available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone • print a paper copy ofyour statement anytime • Sign up today at Discover.com /paperless 4.:2Of()Dir.:rnrr Bark lrmnber UDC PAPLit 031V 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 14000 974 08 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800. 347 - 2683). DISC•VER' DISC VER It pays in DISC VER' AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account Current Billing Period; 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 22 24% V $4,704 96 $88 89 09/23/201110 01/22/2012 17 24% V $1,653 11 $24 20 09/22/2011 and prior 12 24% V $3,517 30 $36 55 Cash Advances 23 99% V $0 $0 ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE V = Variable Rate Information For You * *Discover Home Loans Stale Licensing Info ** Not all applicants are approved Terms and conditions apply AZ Mortgage Banker UC No 0919392, Licensed by the Dept of Corporations under the CA Residential Mortgage Lending Act, Regulated by the CO Division of Real Estate, GA Residential Mortgage Licensee P33265, IL Residential Mortgage Licensee *MB 6760852-Dept of Financial Regulation, 100 W Randolph, 9th Floor, Chicago, IL 60601, MA Mortgage lender & Mortgage Broker LIC #MC837915, Licensed by the MS Dept of Banking and Consumer Finance, Licensed by the NH Banking Dept, NJ Residential Mortgage Lender LIC, OH Mortgage Broker Ad Mortgage Banker Exemption #MBMB 850150 000, OR Mortgage Lender LIC #ML5100, Licensed by the PA Dept of Banking, VA Exempt Company Registration, Licensed in WA under the name of DES HL Inc , Consumer Loan UC PCL.837915, Discover Home Loans, Inc 's NMLS ff837915 Not available in NV, NY & RI Additional Important Information Soo your Cardmomber Agreement, Your Cordmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately' Call 1. 800.347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the Following information Account inlormatron Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem If you think there in an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may calf us, but if you do we ore not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related io that amount While you do not have to pay the amount in question, you are responsible for the °mender of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the Following must be true 1 The purchase must have been made in your home state ar within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify 3 You must not yet hove fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Sall Lake City, UT 84130 -0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance al any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use uiformohon from your check to make an electronic fund ttooster, funds may be withdrawn From your account as soon as the some day we receive your payment, and you will not receive you check back From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM focal time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days For delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup outomohc payments through a customer service representative by calling 1- 800. 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date le g , the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend el bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last Four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signohrre, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800.3472683 or by mail at Discover, PO Box 30421, Sall lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, Intl statement Minimum Payment Due plus a fixed dollar amount, or livl a Fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be perocessed only for the amount of your New Balance Your automatic Payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fillen the following blanks below and retain the authorization for your records Amount El Full Pay Li Min Pay Min Pay + $_ _ _, El Fixed Bank Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we odd it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purc)hoses that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adlustments required in the "Paying Interest' faction) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billinc period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we drvidg the APR that applies to the Transaction Category by 365 We add up all the dairy interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cosh Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount Is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TIM (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Oiscovermcard is issued by Discover Bank, Member FDIC itz?,Feau I 30196747 Questions? Visit www.Dlscover,com or call I. 800 - DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance 59,935.12 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Duo S199.00 Payment Due Dote November 1, 2012 Address, e-mail or telephone changaa Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Pay online at www Discover cam or make check payable to Discover Phone and Internet payments must be made by 5 OOpm ET For same day posting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510099351200000000019900 Opening Date: September 4, 2012 - Closing Date: October 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $9,992 63 401 00 + 194 92 + 000 + 0 00 + 000 + 148 57 $9,935 12 See Interest Charge Calculation section lollowmg Transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $44 00 $2,000 00 $64 00 Cashback Bonus* Opening Cashback Bonus Balance New Cashback Bonus This Period Pay On -Turns Everywhere Else Cashback Bonus Balance To ream m t log rn e+ www.Discover.com Anniversary Month August $ 39 31 + 7 42 0 48 $ 47.21 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover,com 2 Call 1- 800 - DISCOVER (1.800- 347 -2683) Please have your Discovers card available 3 Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address] For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) acsistaace, please call 1. 800.347.7449 page 1 of 2 Payment Information New Balance $9,935 12 Minimum Payment Due $199 00 Payment Due Date November 1, 2012 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a fate fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24.5 variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example If yon make ?to additional charges using this card and each month you pay You wilt pay off the balance shown On thiS statement in about And you will end up paying an esiun9fed total of. Only the minimum payment 39 years $52,122 $360 3 Yea" $1 2.966 ;Savings = $39,156 1 f you would like information about credit counseling services, call 1-800347-1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more TM -- -fund easy ways to earn and redeem cash rewards NEWt Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Sep 7 Post Date Sep 7 INTERNET PAYMENT - THANK YOU Oct 1 0c11 INTERNET PAYMENT - THANK YOU $ -205 00 -19600 Merchandise Sep 3 Sep 4 GAP OUTLET #7957 LANCASTER PA $ 141 96 301 96747 Sep 29 Sep 29 RITE AID E NOLA PA 52 96 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean less clutter, more convenience Easily access up l0 24 months of downloadable, password protected statements • See your statement as soon as it's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through e.moil or text messages on your mobile phone • Print a paper copy of your statement anytime • Sign up today at Discover.corn /paperless 4120111 Jrurrnu 8nrk Mnm6ev Foc PAVED 0710 Transactions (cont.) Interest Charged Trans. Post Dane Dole INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 148 57 0 00 000 148.57 2012 Tools Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 14000 1,122 55 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1 -800- 347 - 2683). DISCOVER' DISC VER` Ii pays ro DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 j Interest Charge Calculation Your Annual Percentage Rata (APRI is the annual interest rate on your account Current Billing Period; 30 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APRI INTEREST RATE 22 24% V 17 24% V 12 24% V 23 99% V $4,985 44 $1.677 09 $3,348 52 $0 $91 13 $23 77 $33 67 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement. write to us at Discover, PO Box 30421, Salt take City, UT 84130.0421 In your letter, give us the following information Account rnlorrnohon Your name and account number Dollar amount The dollar amount of the suspected error Deurrptron of Problem if you think there is an error on your bill. describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question While we investigate whether or not there hos been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other Fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all of the following must be true 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50 (Note hleither of these are necessar y if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services l 2 You must have used your credit curd for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision Al that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Muvman Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorizer us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, Funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institulton The processing of your payment may be delayed if you send cash, correspondence or other Hems with your payment, if you send the payment to any other address or if you vse an envelope other than the one provided Payments received in proper form at our processing facility by SPM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Corot Stream, Il 60197.6103 Please allow 7.10 days for delivery If your payment is retained unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1. 800. 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment dote (e g the 15th day of the month( that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your honk account You also authorize it to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800 - 347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice of least three business days in advance of the scheduled payment I f your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can set automatic payments for (r) statement New Balance, (n) statement Minimum Payment Due, he) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement It your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records Amount ❑ Full Pay Li Mtn Pay n Min Pay + $.__._......_..____....._., El Fixed Pay$..____.__._._.__._._ .._. Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit report We normolly report the status and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate of incomplete, please write us at the Following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the New-Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purclsates that first appear on the current billing statement How We Apply Payments May Impact Your Grace Period IF you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges • Daily Balance Method [including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on lime last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the First day of the billing period in which the transaction or lee posted to your Account We subtract any new credits and payments We make other adjustments Including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges For each Transaction Category To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Sublect to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account rs open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449, Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Drscovormcard is issued by Discover Bank, Member FDIC UM Wilt 30196747 Questions? Visit www.Dlscover.com or call 1 -800- DISCOVER (1- 800. 347. 2683). D1SC•VER DISC VER New Balance S10,153.80 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due S410.00 Payment Due Dale December 1, 2012 Address, e-mail or telephone change Go to vwvw,Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please make check p ayable to Discover Cord You are overturn Pay the sum of the monthly minimum payment plus the overlimit amount of $153 80 PO BOX 71084 CHARLOTTE NC 28272 -1084 00000198645870312751010 )538000000000041000 Opening Date: October 4, 2012 - Closing Date: November 3, 2012 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance $9,935 12 Payments And Credits 0 00 Purchases 28 63 Balance Transfers 0 00 Cash Advances 0 00 Fees Charged 35 00 Interest Charged 155 05 New Balance $10,153 80 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $0 00 $2,000 00 $0 00 Cashback Bonus* Anniversary Month August Opening Cashback Bonus Balance $ 47 21 New Coshback Bonus This Penod + 0 07 Cashback Bonus Balance $ 47.28 To main MGM kij sat www.blscover.com 3 Easy Ways to Contact Us I Access your account securely at www.Discovar.com 2 Call I. 800 - DISCOVER (1. 800. 347 -2683) Please have your Discovervecard available 3 Write to us at Discover, PO Box 30943, Solt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1L 60197 -6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800. 347.7449 page 1 of 2 Payment Information New Balance $10,153 80 Minimum Payment Due' $410 00 Payment Due Dole December 1, 2012 'Include; past due amount of $199 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late lee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance For example Iryiw Maki no ' edditrbnal cha(gnu . using -this cord and each month you pay You will ply 'off the bolunce shown an this statement in about And you±vif end up pitying an estimated t61a1 af, , Only the minimum payment 39 years $52717 I you would like information about credit counseling services, call 1-800.347-1121 Manage Your Account Online at www.Dlscover.com Access free anline tools like Paydown Planner to create a plan to y down your balance, securely access siatemenis, pay bills online and easily track all nansactions Make your money worth more sm—find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Gasoline Supermarkets Trans. Date Oct 3 Oct 28 Post Date Oct 4 Oct 28 HESS 38421 ETTERS PA GIANT 6263 ENOLA PA 02870R $ 10 01 18 62 Fees Nov 1 Nov I LATE FEE TOTAL FEES FOR THIS PERIOD 30196747 Interest Charged $ 35 00 35.00 INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES $ 155 05 0 00 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement as soon os it available rather than wait for ii to arrive in your mailbox. • Get helpful payment reminders through e -mod or text messages on your mobile phone • Print a paper copy of your statement onytnne • Sign up today at Discover.com /paperless 1.:70 0 i)n mrr Hand ldyanb., I.YC PAPER aJ I I) Transactions (cant.) Interest C6urged Trans. Post Date Date INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD $ 000 155.05 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 17500 1,277 70 Questions? Visit www.Discover.com or call I -800- DISCOVER (1- 800. 347 - 2683. DISC•V ER DISC VER It pays re DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account Current Billing Period: 31 clays TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGAT R E Purchases 01/13/1012 and after 22 24% V $5,137 86 $97 05 09/23/2011 to 01/22/2012 17 24% V 31,701 42 $24 90 09/22/2011 and prior 12 24% V $3,184 84 $33 10 Cash Advances 23 99% V $0 $0 V Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report rmmediatelyl Cal 1,800.347.2683. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account rnformatron Your name and account number Dollar amount The dollar amount of the suspected error Description of Problem if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days after the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or riot there has been an error, the following ore true We cannot try to collect the amount in question, or report you as delinquent air that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you ore dissatisfied with the goods or services that you hove purchased with your credit card, and you hove tried in good faith to caned the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, all al the following must be true I The purchase must have been made in your home state or within 100 miles of your current marling address, and the purchase price must have been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services) 2 You must have used your credit cod for the purchase Purchases made with cash advances from an ATM or with a check that accesses your credit curd account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-09115 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision At that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any time However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic lurid transfer horn your account at the financial institution indicated on your check or to process the payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day It you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER` ( You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1. 800 - 347.2683 Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e9 Ale 15th day of the month) that occurs before your Payment Due Date If your scheduled payment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount setected by you, from your bank account You also authorize us to initiate debit or credit entries io your bank account, as applicable, to correct an error in the processing of such payment You can cancel a scheduled payment by phone at 1.800. 347.2683 or by mail al Discover PO Box 30421, Salt lake City, UT 84130.0421, however we must receive notice at least three business days in advance of the the payment If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much rl will be You must ensure that sufficient funds are available in your bank account, and all tronsactions must comply with U 5 law You can set automatic payments for (r) statement New Balance, f u) statement Minimum Payment Due, pit) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any •excess will be applied in acc.ordanc.e with your Cordmember Agreement If-your scheduled payment is greater than the New Balance on your bdhnngg statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe less Than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please Ill -in the following blanks below and retain the authorization for your records t Amount r ^ �–I ] Full Pay Min Pay I__ Min Pay + $._— __._._._. -._., n Fixed Pay$ Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus Late payments, missed payments, or other defaults on your Account may be reflected in your credit repot We normally report the stotus and payment history of your Account to credit reporting agencies each month If you believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 198545316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges an o transaction, fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances How to Avoid Paying Interest an Purchases ("Grace Period ") If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ore Purchases that first appear on the current billing statement How We Apply Payments Moy Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on now Purchases How We Calculate Interest Charges • Daly Balance Method [including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the First day of the billing period is your balance on the Iasi day of your previous billing period We odd any interest charges accrued on the previous day's daily bolonce and any new transactions and fees We odd any new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adiustmenis (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance For each Transaction Category by its daily periodic rote We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a doily periodic rote, we divide the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We odd Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other leash fhe standard Purchase Transaction Category Balance Subject to interest Rate. Your statement shows a Balance Sub led to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rate is the average of the daily balances during the billing period Credit Balances. If your Account has o credit balance, the amount n shown on the front of your billing statement A credit balance is money that is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable kw For TDD (Telecommunications Device for the Deaf) assistance, please call 1. 800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover °card is issued by Discover Bank, Member FDIC eovr Leo i 30196747 Questions? Visit www.Dlscover.com or call 1. 800 - DISCOVER (1-800-347-2683). DISCOVER' DISC VER New Balance Minimum Payment Due S9,944.89 $420,00 Payment Due Date January 1, 2013 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Address, e-mail or telephone change].' Go to www.Discover,com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below $1 1 Please make check payable to Discover Card Minimum payment due includes a past due amount of $211 00 Phone and Internet payments mutt be made by 5 O0pm ET for same day pasting PO BOX 71084 CHARLOTTE NC 28272 -1084 000001986458703127510099448900000000042000 Opening Date; November 4, 2012 - Closing Date: December 3, 2012 Discover Motive Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfeis Cash Advances Fees Charged Interest Charged New Balance $10,153 80 397 00 + 0 00 + 0 00 • 0 00 + 35 00 + 15309 $9,944 89 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $55 00 $2,000 00 $55 00 You may be able lo avoid Interest Charges, see Additional Important Information for details Coshback Bonus* Anniversary Month August Opening Cashback Bonus Balance $ 47 28 New Cashback Bonus This Period + 0 00 Cashback Bonus Balance $ 47.28 to learn mote tog m o r www.Dtseover.coin 3 Easy Ways to Contact Us 1 Access your account securely at www,Discover,com 2 Call 1- 800 - DISCOVER (1800 -347 -2683) Please have your Discovers card available 3 Write to us at Discover, PO Box 30943, Solt lake City, UT 84130 (Not a payment address] For payments, please send to address on remittance or Discover, PO Box 0103, Cowl Stream, IL 60197.6103 For MD (Telecommunications Device for the Deaf) assistance, please call 1- 800.347 -7449 page 1 of 2 Payment Information New Balance $9,944 89 Minimum Payment Due' $420 00 Payment Due Date January 1, 2013 'Include; past due amount of $211 00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance fransfei APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: I1 you make only the minimum payment each period, you will pay more in interest and d will take you longer to pay off your balance For example If you make no additional charges using lhrs card and each month you pay You will pity off the balance aha'wn on this statement in about And you wilrend' . u,p.pcgytrig 8rl estimated total a£. , Only the minimum payment 38 years $50,875 I you would tike information about credit counseling service :, call 1.800. 347.1121 Manage Your Account Online at www.Discover,com Access free online tools like Poydown Planner to create a plan lo pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more m —firrd easy ways to earn and redeem cosh rewords NEWI Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Dec I Dec 3 Pest Date Dec 1 Dec3 PHONE PAYMENT- THANK YOU INTEREST CHARGE REFUND $ -199 00 • 198 00 Fe 196747 Dec 1 Dec I [ATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 153 09 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' Paperless statements mean Tess clutter, more convenience Easily access up to 24 rnanths of downloadable, password protected slotements • See your statement as soon as It's available rather than wait for it to arrive rn your mailbox. • Get helpful payment reminders through a -rno11 or text messages on your mobile phone • Print o poper copy of your statement anytime • Sign up today at Discover.com /paperless V 201 a Dwrare Irnnk ldamiuv FDIC V+AILH 07 I 0 Transactions (cont.) Interest Charged Trans. Post Data Date INTEREST CHARGE ON CASH ADVANCES $ 0 00 INTEREST CHARGE ON BALANCE TRANSFERS 0 00 TOTAL INTEREST FOR THIS PERIOD 153.09 2012 Totals Year -to -Date TOTAL FEES CHARGED IN 2012 TOTAL INTEREST CHARGED IN 2012 30196747 $ 210 00 1,232 79 Questions? Visit www.Discover.com or call 1- 800 - DISCOVER (1- 800. 347- 2683J. DISCOVER' DISC VER it pays to DISC VERt AMANDA D BEAHM Account number ending in 3208 page 2of2 Interest Charge Calculation Your Annual Percentage Rate (APR} is the annual interest rote on your account Current Billing Poriodt 30 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V Variable Rate RE (APERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE TP INTEREST RATE 22 24% V 17 24 % V 12 24% V 23 99% V $5,277 50 $1.726 08 $3,19767 $0 $96 51 $24 43 $32 15 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately! Call 1.800347.2663. What To Do if You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Salt Lake City, UT 84130.0421 In your letter, give us the following information Account mformafion Your name and account number DoDar ampun! The dollar amount of the suspected error Description of Prabiem If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake You must contact us within 60 days alter the error appeared on your statement You must notify us of any potential errors in writing You may call us, but if you do we are not required to investigate any potential error and you may have to pay the amount in question While we investigate whether or riot there has been on error, the following are free We cannot try to collect the amount in question, or report you as delinquent on that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Cord Purchases 0 you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to corred the problem with the merchant, you moy have the right not to pay the remaining amount due an the purchase To use this right, all al the Following must he true 1 The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must hove been more than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit cord for the purchase Purchases made with cash advances horn an ATM or with a check that accesses your credit card account do not qualify 3 You must not yet have fully paid for the purchase IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigation, we will tell you our decision Al that point, if we think you owe on amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance at any erne However, you must pay at least the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check os described above, you authorize us to use information on your check to make an electronic fund transfer from your account al the financial institution indicated on your check or to process the Payment as a check transaction If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account cis soon as the same day we receive your payment, and you will not receive your check back from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided Payments received in proper form at our processing facility by 5PM local lime on any day will be credited to your Account as of that day Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, 1L 60197.0103 Please allow 7.10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1. 800.347.2683 Automatic payments will be deducted on the Payment Due Data unless you request a recurring payment date fe g the 15th day of the month) that occurs before your Payment Due Date li your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account information You will be asked to provide the last four (4) digits of the social security number of the primary borrower By providing those number as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error m the processing of such payment You can cancel a scheduled payment' by phone at 1.8347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, however we must receive notice at least three business days m advance of the scheduled payment If your payments may vary in amount, we will teR you on each monthly billing statement when your payment will be made and how much it will be You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with 1.15 law You can set automatic payments for (i) statement New Balance, (n) statement Minimum Payment Due, (nil statement Minimum Payment Due plus a hired dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment is not enough to covet the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment tsgreater than the Minimum Payment Due, any excess will be applied in acc.ordance with your Cardmember Agreement IFyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automatic payment amount maybe Tess than the amount indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please h)•in the following blanks below and retain the authorization for your records Amount Q Full Pay ? l Min Pay n Mm Pay + _ _ _ [11 Fixed Poy$..- Bonk Routing # Bank Account # , Frequency Credit Reporting. We may report information about your Account to credit bureaus tote payments, missed payments, or other defaults on your Account may be reflected in your credit report We =molly report the status and payment history of your Account to credit reporting agencies each month If ou believe that our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction Fee or interest charge from the day we add it to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cash Advances Flow to Avoid Paying Interest on Purchases ( "Grace Period") II you paid the NewBalonce on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose interest charges on new Purchases or any portion of o new Purchase, paid by the Payment Due Date on your current billing statement New Purchases are Purchases that first appear on the current biting statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Balance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on now Purchases How We Calculate Interest Charges • Daily Balance Method (including currant transactions); We calculate interest charges each bulling period by first figuring the "daily balance" for each Transaction Category Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers Ilow We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing pertoci We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Dale or the first day of the billing period on which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including these adjustments required in the "Paying interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic vale We do this for each day in the billing purred This gives us the merest charges for each Transaction Category To get -a daily periodic rate, we dwlde the APR that applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge for the billing period How We Include fees We odd Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other leeslo the stands d Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate It shows this for each transaction category The Balance Subject to Interest Rale is the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance 0 money that is owed to you • You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after 6 months, or as otherwise required by applicable law For 7DD (Telecommunications Device for the Deaf, assistance, please call 1.800. 347.7449. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discover °card is issued by Discover Bank, Member FDIC uzrsrtou � 30196747 Questions? Visit www.Discover.com or call 1. 800 - DISCOVER (1 -800- 347- 2683j. DISCOVER' DISC VER New Balance 310,156.42 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 Minimum Payment Due 3629.00 Payment Due tale February 1, 2013 Address, e-mad or telephone change2 Go to www.Discover.com or print change in space above Account Number ending in 3208 Enter Amount Enclosed Below Please make check payable to Discover Card You are overlimit Pay the sum of the monthly minimum payment plus the overlimit amount of $156 42 PO BOX 71084 CHARLOTTE NC 28272 -1084 00000198645870312751010156420021 1000062900 Opening Date: December 4, 2012 - Closing Date: January 3, 2013 Discover Motiva Card Account Summary Account number ending in 3208 Previous Balance Payments And Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance $0,944 80 200 00 + 99 74 + 0 00 + 0 00 + 157 87 + 153 92 $10,156 42 See Interest Charge Calculation section following transactions for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available $10,000 00 $000 $2,000 00 30 00 You may be able to avoid Interest Charges, see Additional Important Information for details Coshback Bonus" Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance ro room mum I,ru m ni www.Discover.com Anniversary Month August $ 47 28 + 0 05 $ 47.33 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2 Call 1- 800 - DISCOVER (1.800. 347.2683) Please have your Discover' card available 3 Write to us at Discover PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Caiol Stream, IL 60197.6103 For TDD (Telecammunicotions Device for the Deaf) assistance, please call 1- 800.347 -7449 page 1 of 2 Payment Information New Balance 310,156 42 Minimum Payment Due' $629 00 Payment Due Dale February 1, 2013 'Includes past due amount of $420 00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35 00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27 24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it wilt take you longer to pay off your balance For example If yai make no aekilttonel cherges using. Bus card and each month you pay You will pay offihs balance. Shawn on this statement in about And you wi➢'end' up paying an estimated told of Only the minimum payment 38 years $51,140 f you would like information about credit counseling services, all 1. 800.347.1121 Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morev —find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Date Payments and Credits Dec 14 Dec 15 Dec 15 301 96747 Dec 21 Post Date Dec 14 Dec 16 Dec 16 Dec 14 PAYMENT - THANK YOU INTEREST CHARGE REFUND CONDITIONAL COURTESY CREDIT PAYMENT ADJUSTMENT $ -21100 -77 13 -122 87 211 00 Other /Miscellaneous Dec 22 Dec 23 INTEREST CHARGE ADJUSTMENT $ 7713 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC•VER Paperless statements mean Tess clutter, more convenience Easily access up to 24 months of downloadable, password protected statements • See your statement cis soon as it's available rather than wail for it to arrive in your mailbox. • Gel helpful payment reminders through eanail or text messages on your mobile phone • Pant a paper copy of your statement anytime • Sign up today at Discover.com /paperless V10 0 L).xxx:i Bunk Mymbe, UK. C, PAPLI UJ 10 Transactions (cont.) Other /Miscellaneous Gasoline Trans. Post Date Date Dec 22 Dec 23 CONDITIONAL COURTESY CREDIT REVERSAL Dec 21 Dec 21 GIANT 6263 ENOLA PA 02138R 122 87 22 61 Fees Jon 1 Jan 1 LATE FEE $ 35 00 TOTAL FEES FOR THIS PERIOD 157,87 Interest Charged INTEREST CHARGE ON PURCHASES $ 153 92 INTEREST CHARGE ON CASH ADVANCES 000 INTEREST CHARGE ON BALANCE TRANSFERS 000 TOTAL INTEREST FOR THIS PERIOD 153.92 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 30196747 $ 35 0D 153 92 Questions? Visit www.Discovor.com or call I.800- DISCOVER (1 -800- 347- 2683J. DISCOVER' DISC VER fr pays ro DISC VER AMANDA D BEAHM Account number ending in 3208 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR1 is the annual interest rate on your account Current Billing Period: 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/201110 01/22/2012 09/22/2011 and prior Cash Advances V e Vocable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE 22 24% V 17 24% V 12 24% V 23 99% V $5,138 17 $1,718 56 $3,050 43 so $97 06 $25 16 $31 70 $0 Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account Lost or stolen cards. Report immediately) CaII 1.800.347.2683. What To Do tf You Think You Find A Mistake On Your Statement If you think there is an error on your statement. write to us of Discover, PO Box 30421, Salt Lake City, UT 84130-0421 In your letter, give us the following information Account Information Your name and account number Dacir amount The dollar amount of the suspected error Descrrptron of Problem If you think there is an error on your bill, describe what you believe is wrong and why you believe it a a mistake You must contact us wdhrn 60 days after the error appeared on your statement You must notify us of any potential errors in waling You may call us, but if you do we are not required to Investigate any potential error: and you may have to pay the amount in question While we investigate whether or not there has been an error, the following are true We cannot try to collect the amount in question, or report you as delinquent an that amount The charge in question may remain on your statement, and we may continue to charge you interest on that amount But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights if You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods ar services that you have purchased with your credal card, and you have tied in good faith to correct the problem with the merchant, you may hove the right not to pay the remaining amount due on the purchase To use this right, all of the following must be True 1 The purchase must have been made m your home state or within 100 miles of your current mailing address, and the purchase price nsu t have been mare than $50 (Note Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services ) 2 You must have used your credit card for the purchase Purchases made with cash advances Pram an ATM or with a check that accesses your credit curd account do not qualify 3 You must not yet have fully paid for the purchase If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt lake City, UT 84130 -0945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our imestigotion, we will loll you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. You may pay all or part of your Account balance al any time However, you must pay at feast the Minimum Payment Due by the Payment Due Date Send only your payment and the top portion of this statement in the envelope provided De not send cash By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as o check Transaction 11 payment is processed as an electronic fund transfer, the transfer will be far the amount of the check When we use information From your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo any other address or if you use an envelope other Ihun the one provided Payments received in proper form of our processing facility by 5PM focal time on any day will be credited to your Account as of that day Payments received at our processing facibly after 5PM local time will be credited to your Account as of the next day If you have mrsplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103 Please allow 7 -10 days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit 30196747 NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER' You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 900 - 347.2683 Automatic payments will be deducted on the Payment Due Dale unless you request a recurring payment dale (e g the 15th day of the month) that occurs before your Payment Due Dote If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday In order to schedule monthly payments by telephone, you will need this statement and your bank account mformarion You will be asked lo provide the last four (4) digits of the social security number of the primary borrower By providing those numbers as your electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment You can cancel o scheduled payment by phone at 1.800. 347.2683 or by mail at Discover, PO Box 30421, Sall lake City, UT 84130 -0421, however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly bang statement when your payment will be made and how much it will be You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U S law You can net automatic payments for (r) statement New Balance, (u) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount If your scheduled fixed payment it not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due If the scheduled payment is greater than the Minimum Payment Due, any excess wil be applied in accordance with your Cordrnember Agreement 1Fyour scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance Your automates payment amount maybe less than the amour* indicated on the periodic statement based on credits or payments after the Closing Date If you enroll by phone in our automatic payment service, please full•in the following blanks below and retain the authorization for your records Amount El Full Pay ^ Min Pay ❑ Min Pay + �.__._._ .- ___.___..._., ❑ Fixed PoyE_._____._______, Bank Routing # Bank Account # Frequency Credit Reporting. We may report information about your Account to credit bureaus tale payments, missed payments, or other defaults on your Account may be reflected in your credit report We narmolly report the status and payment history of your Account to credit reporting agencies eoch month If ou believe That our report is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, W))mington, DE 19850.5316 Please indicate your name, address, home telephone number and Account number Paying interest: We begin to impose interest charges on a transaction Fee or interest charge from the day we add n to the daily balance We continue to impose interest charges until you pay the total amount you owe us You can avoid paying interest on Purchases as described below However, you cannot avoid paying interest on Balance Transfers or Cosh Advances How to Avoid Paying Interest on Purchases ( "Grace Period ") If you paid the NewlBalance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new PIN chow paid by the Payment Due Date on your current billing uatement New Purchases are Purchases that foot appear on the current billing statement How We Apply Payments May Impact Your Grace Period If you do not pay your New Bolance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases How We Calculate Interest Charges - Daily Balance Method (including current transactions): We calculate [merest charges each billing period by first figuring the "daily balance" for each Transaction Category Transachon Categories include standard Purchases, standard Cash Advances and different promotional balances, such -os Balance Transfers How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account We subtract any new credits and payments We make other adjustments (including those adjustments required in the "Paying Interest" section) How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate We do this for each day in the billing period This gives us the interest charges for each Transaction Category To get a daily periodic rate, we divide she APR dial applies to the Transaction Category by 365 We add up all the daily interest charges The sum is the total interest charge For the billing period How We lncludn Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category We add all other fees to the standard Purchase Transaction Category Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate 11 shows this for each transaction category The Balance Subject to Interest Rate a the average of the daily balances during the billing period Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement A credit balance is money chat is owed to you You may make charges against this amount if your Account is open We will send you a refund of any remaining balance of $1 00 or more after o months, or as otherwise required by applicable jaw For TDD (Telecommunications Device for the Deall assistance, please call 1.800.347-7444. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes The Discovermcard is issued by Discover Bank, Member FDIC Itztvt LOU I 30196747 Questions? Visit www.Dlscover.com or call 1. 800 - DISCOVER (1- 800 - 347- 2683J. DISCOVER DISC VER ACCOUNT SUMMARY Previous Balance $10,156.42 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cosh Advances + $0.00 Fees Charged + $35.00 Interest Charged + $155.99 New Balance S10,347.41 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cash Advance Credit Line Available You may be able to avoid interest on.Purchases. See reverse for details, S10,000 $0 $2,000 50 I Contact Us Discover.com 1- 800.347 -2683 .J Please make check payable to Discover. You are overlimii. Pay the sum of the Minimum Payment Due plus the remaining overlimii amount of $347.41. Make Check payable to rhscover Please fold on the perforation below, detach and return with your payment Discover Motiva Card Account number ending in 3208 Open Dote: Jon 4, 2013- Close Dote: Feb 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote Includes pass due amount of: $10,347.41 $840.00 March 1, 2013 $629.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to poy a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest end it will take you longer to pay off your balance. For example: Ifyeu & ttalfe4atirlditl4114l4harge y'ssuxir�t Pix4"aif the psi thts4(or f;dnt anrh final* krnlitiVCikaxvn an .. li 1 7' w 0101alt enilrt abavi:.o. Only the minimum payment 38 years Alt4yeti wllen up 0t;otkimirt itcltat. If you would like information about credit counseling $511409..._.__..,....._ - services, call 1- 800 -347 -1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, login at Discover:com Anniversary Month August $ 47.33 + 5 0.00 — $ 47.33 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION PPyrtiient t u pan MOO do 7tot frilda glib+ or.a 4.61; , Otly (Abe Pay by Phone. III'I I1111'1'11111h11 ,1,, !11t1111- AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 IIlill11 ill 111 �'1i11 3019674Z Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Nolo changes on reverse aide Account number ending in Minimum Payment Due New Balance Pcryment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272 -1084 3208 5840.00 $10,347.41 March 1, 2013 IS , 1'11i11111-11 , 110L11111111ii11'11'I'1!II"'1 ''11111,11 11 000001986458703127510103474100089030084000 .� AMANDA D BEAHM Account number ending in 3208 ...,_ Important Information See your Cordmember Agreement. Your Cardmember Agreement contains oil the terms ot your Account. Lost or stolen cards. Report immediately) Call 1- 800 - 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Solt Lake City, UT 84130.0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but If you do we are not required to investigate any potential errors and you moy have to pay the amount in question. The Billing Rights Notice further explains your rights. A copy of this notice is available at hllps : / /discover,com /billingrights. Payments. You may pay all or part of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payment Due Dale. Send only your payment and the bottom portion of this statement in the envelope provided. Do not send cash. if you pay by check, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or 10 process the payment as a check transaction. If a payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use informotion from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be deloyed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local lime will be credited to your Account as of the next day. If you have misplaced your envelope send your payment to Discover, PO Box 6103, Carol Stream, IL 601976103, Please allow 7.10 days for delivery. If your Payment is returned unpaid, we reserve the right to resubmit it as on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time, You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800.347 -2683. Automatic payments for the billing period shown on your statement will be deducted an the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment date (e.g., the 15" day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your hank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your eledronic signature, you will be agreeing to this authorization 10 allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84130.0421; however, we must receive notice at least Three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS Open pale, Jan 4, 2013 • Close Dote: Feb 3, 2013 Page 2. of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set outomatic payments for: (1) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar omount, or (iv) Other dollar omouni. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement, If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic payment service, please fill -in the following bionics below and retain the authorization for your records. Amount: 'Full Pay ]Min Pay DMin Pay+ S :Other Amount$ ; sank Routing #: Bank Account # Monthly on the!U Payment Due Date LI Close Date Day of month (insert dole) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us al the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date eoch month. We wilt begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Date or the first day of the billing period in which the transaction posted to your Account, How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rate. For more information, please call us at 1 -800- 347 -2683. Bolo ace Subject to Interest Rate. Your statement shows o Balance Subject to Interest Rale, It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed lo you. You may make chorges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request made io the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover0 card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address City 389ibei47 Home Phone Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page. DISC VER CONTACT US Web Access your account securely at Discover.com Transactions Mobile Manage your account anytime, anywhere al m.Discover.com Trans. Date Post Date Discover Motiva Card Account number ending in 3208 Open Date: Jan 4, 2013 - Close Date: Feb 3, 2013 Page 3 of 4 Phone Inquiry Mail Payments 1- 800 - DISCOVER Discover Discover (1- 800.347 -2683) PO Box 30943 PO Box 6103 TDD 1.800- 347 -7449 Salt Lake City Carol Stream UT 84130 1L 60197.6103 ./ Fees Feb 1 Feb 1 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES S 155.99 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 155.99 TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 5 70.00 $ 309.91 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V= Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) 22.24% V 17.24% V 12.24% V 23.99% V INTEREST RATE INTEREST CHARGE $5,226.20 $1,723.19 $3,082.29 $0.00 598.75 525.21 532.03 50.00 30196747 NOTICE! SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEAHM 30196747 Account number endinkin 3206 Open Daie: Jan 4,.,2013 - Close Dale: Feb 3,2013 Page 4 of 4 DISC VER ACCOUNT SUMMARY r Previous Balance $10,347.41 Payments and Credits — $0.00 Purchases -i- 50.90 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + 535.00 Interest Charged i 5143.72 New Balance $10,526.13 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cosh Advance Credit line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. 510,000 50 52,000 $0 r' Contact Us Discover.com 1.800- 347 -2683 See "Information For You" section for important information regarding Your Billing Rights. Please make check payable to Discover. You are overlim Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of 5526.13. Discover Motivo Card Account number ending in 3208 Open Dote: Feb 4, 2013. Close Date: Mor 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dote • Includes past due amount of: $10,526.13 51,051.00 April 1, 2013 $840.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 1,11 you raa rrn-odditton for„is rfi pa, off ffie- dggSiltiwri+ aft 44. siViettteblh. 14... - -. Only the minimum payment . -_;.__.._...._._._38. years- -- --- ..._._... _._ ._._._. -$5 1,696 ........ .........._..i 1 you would like information about credit counseling services, call 1-800-347-1121. Andyrutv4lt. endti; ._,.... pclitit at eslbot r totui REWARDS Cashback Bonus® if. Make Check payable to Discover Please fold on the perforation be}aw, detach and return will your payment Opening Bolance New Cashbook Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month August $ 0.00 + $ 0,00 — $ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION PaymetilCoupon P100 ffro do ms l fe1[dr. dip' or tt Puy O>1litic tAutoiettora Pay :by Palo* 1111'111 I':i1t31�i I.liti11 1111111111i1 IIIl;� �tl ll 111 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 30196741Z Internet payments must be received by 5PM ET to be credited as of the some day Address, e-mail or telephone changed? Noie changes on reverse side Account number ending in Minimum Payment Due New Balance 3208 $1,051.00 $10,526.13 Payment Due Date April 1, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272 -1084 5 I'wlp111i,j 1 ,1,11, 1111 drii1111 '1'11111111,1,,,1111,1111 000001986458713312757 ,01,05261300168310105100 AMANDA -.. ending in m ._.._._._ ..._...__----- _.._._._........ ,..._.....- ....-..._,..,., 3 • ' Close Date; Mar 3, 2013 Page 2 of 4 ..... ... EAHM__.___ ...._._.........._.........._.- Account number endin 3208 Open Feb 4 r 201...,-...,.,,._..._._...,_.._.........,._,....._.......... ............,.__....._....___._ Important Information See your Cardmember Agreement. Your Cardmember Agreement contains oil the terms ot your Account. Lost or stolen cords. Report immediately) Call 1 -800- 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at Discover, PO Box 30421, Sall Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit hitps : / /discover.com /billingrights for copy of this notice. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your poyment and the bottom portion of this statement in the envelope provided. Do not send cash. If you pay by check, You outhorize us to use information on your check lo make an electronic fund transfer from your occount at the financial institution indicated on your check or to process the payment as a check transaction. If a payment is processed os an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make on electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your poyment, if you send the poyment to any other address or if you use on envelope ocher than the one provided. Poyments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that doy. Payments received al our processing facility offer 5PM loco) lime will be credited lo your Account as of the next day. If you have misplaced your envelope, send your payment lo Discover, PO Box 6103, Carol Stream, IL 60197.6103, Please ollow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on electronic debit, Payments mode online or by phone will be credited as of the day of receipt if made by 5 PM Eostern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1 -800 -347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on Thai statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment dale (e.g., the 15'y day of the month) that occurs before your Poymenl Due Dote or Close Dote. If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked 10 provide the lost four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct eoch payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled poyment by phone at 1 -800- 347 -2683 or by mail al Discover, PO Box 30421, Salt Lake City, UT 84130-0421, however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vory in amount, we will tell you on each monthly billing statement when your poyment will be mode and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Poyment Due, If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement, If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dale. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: it Full Poy 0 Min Poy _IMin Poy+ $ [1 Other Amount$ ; Bank Routing #: Bank Account # Monthly on the i.'• Payment Due Date IL I Close Date Fl Day of month (insert date) Credit Reporting, We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and poyment history of your Account io credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more Information, please call vs at 1 -800- 347 -2683. Balance Subject to Interest Rate. Your statement shows a Balance Subject io Interest Rate. 11 shows this for each transoction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement, A credit balance is money that is owed to you. You may make charges ogainsi this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or os otherwise required by applicable low, or upon request made to the address in the Contod Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover@ cord is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address I Home Phone City 369ib `Y47 Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER' CONTACT US 0 Web Access your account securely al Discover.com Transactions Mobile Manage your account anytime, anywhere of m. Discover.com Trans. Date Post Date Phone 1- 800 - DISCOVER (1 -800 -347 -2683) TDD 1- 80D- 347.7449 Discover Motiva Card Account number ending in 3208 Open Date: Feb 4, 2013 - Close Dale: Mar 3, 2013 Page 3 of 4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Stream UT 84130 IL 60197.6103 Fees Interest Charged Mar 1 Mar 1 LATE FEE TOTAL FEES FOR THIS PERIOD 2013 Totals Year -to -Date $ 35.00 35.00 INTEREST CHARGE ON PURCHASES $ 143.72 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 143.72 TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 $ 105.00 $ 453.63 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V= Variable Rate ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 22.2496 V 17.2496 V 12.2496 V 23.99% V $5,356.28 51,747.33 53,112.91 $0.00 591.41 523.09 529.22 50.0D Information For You Your Billing Rights: Keep This Document For Future Use This notice felts you about your rights and our responsibilities under the Fair Credit Billing Act. What To Do If You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover,PO Box 30421,Solt Lake City, UT 84130 -0421. In your letter, give us the following information: • Account information: Your name and account number. • Pallor amount: The dollar amount of the suspected error. • Description of problem: If you think there is on error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us: • Within 60 days after the error appeared on your statement. • Ai least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the omount in question. What Will Happen After We Receive Your Letter , When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must fell you that we received your letter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been on error: • We cannel try to collect the amount in question, or report you as delinquent on that amount. 304-6,0747 in question may remain on your statement, and we may continue to charge you interest on that amount. • W11 WVireirou do not have to pay the amount in question, you ore responsible for the remainder of your balance, NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEAHM Account number ending in 3208 Open Date: Feb 4,201.3 • Close Date: Mar 3, 2013 Information For You ... Continued Page 4 of 4 • We can apply any unpaid amount against your credit limit, After we finish our investigation, one of two things will happen: • If we rnade.o misloke: You will not hove to pay the amount in question or any interest or other fees related to that amount. • I f w e do not _believe _there was a mistake: You will have io pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment h due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10tfpystelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. Your...Rights, if You Are._Dissatisf ad Wiih Your, Cradit.Card__Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right nol io pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must have been more Than $50. (Note: Neither of These are necessary if your purchase was based on an advertisement we moiled to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet hove fully poid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 Salt Lake City, UT 84130 -0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision, At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 301 96747 DISC VER ACCOUNT SUMMARY Previous Balance S10,526.13 Payments and Credits $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35,00 Interest Charged + $162.29 New Balance $10,723.42 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $10,000 Credit Line Available $0 Cash Advance Credit Line $2,000 Cash Advance Credit Line Available 50 You may be able to ovoid interest on Purchases. See reverse for details. Contact Us Discover.com 1 -800- 347 -2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Discover Motiva Card Account number ending in 3208 Open Dote: Mar 4, 2013- Close Date; Apr 3, 2013 Cardmember Since 2007 PAYMENT INFORMATION New Balance Minimum Payment Dve' Payment Due Date Includes posi due amount of: Page 1 of 4 $10,723.42 $1,269.00 May 1, 2013 $1051.00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: fro vok$vt ad Rill ijileVtlitOnitStfa 4t. `oi will Fes,?' off** :.1vlo oo slst49.# tan lh fS: .garAt4tttftr(1 fra tabaufkr ilerm4ils3nchp Only the minimum payment 38 years $51,943 If you would like information about credit counseling services, call 1 -800- 347 -1121. REWARDS 1 Cashback Bonus® Opening Balance 5 Anniversary Month August 0.00 New Cashback Bonus This Period + S 0.00 Redeemed This Period — S 0.00 ashback Bonus Balance $ 1 To learn more, log in of Discover.com 0,00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 3208 Minimum Payment Due $1,269.00 New Balance $10,723.42 Payment Due Date May 1, 2013 Amount enclosed Pf Milne. PTa44e cto rust laid l p _tsr.afitxfZi iii . Ohio' tt,t t PQy by Phone: 14100.341`24 111 .111111111}II IItr111111111 l 7111 AMANDA D BEAHM 19 ANNETTE DR ENOIA PA 17025 -1802 11111111111111,1111,111111 30196747d Internet payments must be received by 5 PM ET fo be credited as of the some day Address, e-mail or telephone changed? Note changes on reverse side PO BOX 71084 CHARLOTTE NC 28272 -1084 $ ir1 11'III'11,11 �111111i111111111111 , i1 (lllillll;lill llll, 000001986458703127518107234200093050126900 AMANDA D BEAHM Account number ending in 3208 Important Information See your Cqrdmember Agreement. Your Card memberAgreement contains all the terms of your Account. Lost or stolen cards. Report immediately' Coll 1- 800447 -2683. What Tq Do if Ypu Think You Find A Mistake On Your Statement if you think-there is an error on your statement, write to us ot: Discover, PO Box 30421, Salt Loke City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your CardmemberAgreement or visit https : / /discover.com/billingrights for a copy of this notice. Payments. You may pay ail or part of your Account balance et anytime. However, you must pay al east the Minimum Payment Rue by the Payment Dug ale. Send only, your _payment and the bottom portion pt this statement in the envelope provided Dp not send cosh. If you pay by check, you authorize us to use information oriyour check to make on electronic fund transfer from your account at the inoo nal institution indicated on your check or to process the payment as o check tronsaction. It a payment is processed as an eledrorec fund tr nster, the transfer will b for the amount of the check. When we use information from your check to moke an etedronic fund transfer, funds may be withdrawn from your account as soon as the sqq e day we receive your payment, and you will not receive your check back tram your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local time on any day will be credited to your Account os of that doy. Payments received at our processing facility after 5PM local time will be credited to your Account as of ft-re next day, If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. IF your payment is returned unpaid, we reserve the right to resubmit it os on electronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolance, over the telephone or you can setup automatic payments through a customer service representative by calling 1- 800 - 347.2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dale (e.g., the 19 day of the month) that occurs before your Payment Due Date or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower, By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account, You also authorize us to iniliole debit or credit entries to your bank account, as applicable, to correct on error in the processing of such payment. You con cancel a scheduled payment by phone at 1- 800 - 347 -2683 or by moil at Discover, PO Box 30421, Salt Loke City, UT 84130.0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your poyment will be made and how much it will be. CHANGE OF ADDRESS _Open Date:,Mor 4, 2013 - Close Dote: Apr 3, 2013 Paoe 2 of 4 You must ensure that sufficient funds ore available in your bank account, and all transactions must comply with U.S. low. You can set automatic payments for (1) statement New Botance, (€1) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement, If your scheduled payment is greater than the New Balance on your billing statement, That payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dale. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount, D Full Pay liMin Pay _Min Poy+ 5 Other AmountS ; Bank Routing #: Bank Account # Monthly on the ":1 Payment Due Date ['Close Dote l�l Day of month (insert date) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting ogencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of each billing period (at least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balonce by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Botance Subject to Interest Rote. For more informotion, please coil vs at 1-800-347-2683. Balance Subject to Interest Rote. Your statement shows o Balance Subject io Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode io the address in the Contact Us section on page 3 of your billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assuronce purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address Home Phone City 381t3 647 Work Phone Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US 0 Web Access your account securely at Discover.com Transactions Discover Motiva Card Account number ending in 3208 Open Date: Mar 4, 2013 - Close Date: Apr 3, 2013 Page 3 of 4 Mobile Phone Discover Mac Payments Manage your 1-800-DISCOVER piscover Discover account anytime, (1 -800- 347.2683) PO Box 30943 PO Box 6103 anywhere at TDD 1-800-347-7449 Salt Lake City Carol Stream m.Discover.com UT 84130 IL 60197.6103 Trans. bate Post Date Fees Apr I Apr 1 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES 5 162.29 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 162.29 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account, Current Billing Period: 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V,---Variable Rate Information For You ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 22.24% V 17.24% V I2.24% V 23,99% V $5,488.76 $1,771.83 $3,143.85 80.00 $ 140.00 5 615.92 INTEREST CHARGE $103.69 $25.93 532.67 $0.00 For more information about how interest charges are calculated see your Cardmember Agreement or go to www.discover.com /interestcharges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AM DA D BEAHM couni number endinkin 3208 Op±r Doie; Mot 4,_2013 - Close Date; Akr 11,013 Poite...4 of 4 DISC VER ACCOUNT SUMMARY rPrevious Balance $10,526.13 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + $35.00 Interest Charged + $162.29 New Balance $10,723.42 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $10,000 Credit Line Available 50 Cash Advance Credit Line 52,000 Cosh Advance Credit Line Available 50 You may be able to avoid interest on Purchases. See reverse for details. Discover Motiva Card Account number ending in 3208 Open Dote: Mar 4, 2013- Close Date: Apr 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Dole " Includes past due amount of $10,723.42 $1,269.00 May 1,2013 51051.00 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 27.24% variable. Minimum Payment Warningt If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Lyon roke Ito ptiiinttt i':t tiNgs oum 1h Wit rt ;a eat tiiGnil: I Onlylhe minimum payment Yog will ffpyoir o bol0eod.. Nrt0A1134 slatetnr lftin alboui,r 38 years �ndwn�etlr#:o� FasAytivovoliroohullotot $51,943 1 If you would like information about credit counseling services, call 1- 800 -347 -1 121. -_.........__..._.____..._....... ....................__.._..____........_._._........___... .__._....---- ._...._..._....__1 REWARDS Contact Us Discover.com Cashback Bonus() 1- 800 - 347 -2683 Make Check payable to Discover Please fold on the perforation below, detach and return with your payment Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in of Discover.com .._._._._._.- Anniversary Month , August $ 0,00 + 5 0.00 — 5 0.00 .._.$ ....... ....... __.....__.....0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION P iyM010 ilupton. i o¢sit 2 rk fl fi f4 glltx it, tropic Pay Online MICCIVarrrom Payy Phone. Am-so-2w III 11 I'Illlrl lI :1 Ili 11111111h1 ,lll AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 m:1 l 11 l i 111,' 1 l I 1 l 111 30•1967A7d Internet payments must be received by 5PM ET to be credited os of the same day Address, e-mail or telephone changed? Nate changes on reverse side Account number ending in 3208 Minimum Payment Due $1,269.00 New Balance $10,723,42 Payment Due Date May 1, 2013 Amount enclosed PO BOX 71084 CHARLOTTE NC 28272 -1084 t, 111II ':11111: IlIII;II lIII,IIIE tI "' IlII'llllil El llll 0000019864587031275101072342000930501 ,26900 AMANDA D HARM _......_..._._.._Account number ending in3208Open Date; Mar 4, 2013 - Close Date: Apr 3, 2013 Important Information See your rdmemberAgreement .YourCordmemberAgreement m conios al the terms of your Account. Lost or stolen cards. Report immediately) Cal) 1- 800 -347 -2683, What To Po If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421 Soli Lake City, UT 84130 -0421. You must write to us within 60 Boys after the error appeared on your stotemenl. You may call us, but if you do we are not required to investigate any potential errors, and you may have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cardmember Agreement or visit https: / /discover.com /biNmgrights for a copy of this notice. Payments. You may pay all or part of your Account baler at an time. However, you must pay at least the Mi iR� ur� �ayment Due the Payment Dug Date. Sep only, your payment a Ihp bottom portion of this statement in the envelope provided. Do not send cash If you pay by check, you authorize us to use information orLyour check to make an electronic fund tronster from your account at the financial rnstituii n indicated on your check or to process the payment cis o check trpr so ion. If a payment is processed as an efepronic fund tronster the transter will be for the amout f the check. Wtbuen we use inforrigfion from your check to make on electronic fund transfer, nds may be withdrawn from your accourlt as soon as the sei ay we receive your payment, and you will not receive your check bock from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Poyments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that day. Payments received ai our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment io Discover, PO Box 6103, Corot Stream, IL 60197.6103- Please allow 7.10 days for delivery. If your poyment is returned unpaid, we reserve the right to resubmit it os an electronic debit. Payments made online or by phone will be credited as of the day of receipt if made by 5 PM Eosiern lime. You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolance, over the telephone or you con setup automatic payments through a customer service representative by calling 1- 800 - 347 -2683, Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic poyment dote referred to on your statement, unless you request a recurring payment dole (e.g., the 15th day of the month) that occurs before your Payment Due Dote or Close Dote. If your scheduled payment dale falls on a weekend or bank holiday, your poyment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signoture, you will be agreeing to this authorization to allow us and your bank to deduct each payrneni you authorize, in the amount seleded by you, from your bank account. You also outhorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You con cancel o scheduled payment by phone at 1- 800.347.2683 or by moil of Discover, PO Box 30421, Solt Lake City, UT 84130 -0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your poymenis may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS _,.Page 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or {iv) Other dollar amount. If your scheduled "Other dollar omovnt" payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled poyment for that month will be increased to cover the Minimum Poyment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement, If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less thou the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our automatic poyment service, please fill -in the following blanks below and retain the authorization for your records. Amount: DFull Pay iMin Pay E.,1 Min Pay+ $ [)Other Amounts ; Bank Routing #: Bank Account # Monthly on the (_i Payment Due Date j.1 Close Date L..! Day of month (insert date) Credit Reporting. We may report information obout your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting ogendes each month. If you believe that our report is inaccurate or incomplete, please write us a1 the following address: Discover, PO Box 15316,Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is of least 25 days after the close of each billing period (at least 23 days for billing periods that begin in Februory). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dote or the first day of the billing period in which the transoction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculate the Balance Subject to Interest Rote. For more information, please call us of 1.800 -347 -2683. Balance Subject to Interest Rote. Your statement shows a Bolance Subject to Interest Role. It shows this for each transaction category. The Balance Subject to Interest Rale is the overage of the doily balances during the billing period. Credit Balances. If your Account has a credit bolance, the amount is shown on the front of your billing statement. A credit bolance is money that is owed 10 you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining bolance of $1.00 or more offer 6 months, or as otherwise required by applicable law, or upon request made to the address in the Contact Us section on page 3 of yovr billing statement. Discover may monitor and /or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover® card is issued by Discover Bank, Member FDIC. TL23N • If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address j Home Phone City 3i4647 Work Phone 1 Email To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely al Discover.com Transactions Discover Motiva Card Account number ending in 3208 Open Date: Mor 4, 2013 - Close Date: Apr 3, 2013 Page 3 of 4 Mobile Phone Inquiry Mail Payments \ 1 -$00- DISCOVER Discover Discover (1- 800- 347 -2683) PO Box 30943 PO Box 6103 TDD 1-800-347-7449 Salt Lake City Carol Stream IL 60197.6103 Manage your account anytime, anywhere at m.Discover.com UT 84130 Trans. Date Post Data Fee: Interest Charged Apr1 2013 Totals Year -to -Date Apr 1 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 INTEREST CHARGE ON PURCHASES 5 162.29 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 162.29 TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate )APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V =Variable Rote Information For You $ 140.00 S 615.92 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 22.24% V 17.24% V 12.24% V 23.99% V 85,488.76 $1,771.83 $3,143.85 $0,00 $103.69 $25.93 $32,67 $0.00 For more information about how interest charges are calculated see your Cardmember Agreement or go lo www .discover,com /interesicharges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEAHM Account number endi ng in 3208 Open Dote; Mar 4, 2913 - Close Dote: Apr 3, 2013 Page 4 of 4 30196747 DISC VER ACCOUNT SUMMARY Previous Balance 510,723.42 Payments and Credits •- $0.00 Purchases + $0.00 Balance Transfers + 50.00 Cosh Advances + $0.00 Fees Charged + 535.00 Interest Charged + $160.27 New Balance 510,918.69 See Interest Charge Calculation section following the Transactions sedion for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to avoid interest on Purchases. See reverse for details. $10,000 50 52,000 50 Discover Motiva Card Account number ending in 3208 Open Dole: Apr 4, 2013- Close Dote: Moy 3, 2013 Card member Since 2007 PAYMENT INFORMATION 1 / Page 1 of 4 New Balance Minimum Payment Due' Payment Due Date * Includes pass due amount of: $10,918,69 $1,488.00 June 1, 2013 S1269.00 Late Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transadions may be increased up to the Penalty APR of 27:24% variable. Minimum Payment Warning: If you make only the minimum poyment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tf' arti1Ceoa rltt�e' 011..401.0 JJ. 4h1 rl:a marifh ynu pay.,.., .. t'#9W jidyait _... olm 4 ttv+rtoobil. ' Alatsmeret} alaaut r,: oci.vtuVie.ridV -....., Tx+olo timb11dfcts1 4. Only the minimum payment 38 years 552,202 f you would like information about credit counseling services, call 1. 800 -347 -1 121.) ...------._.__.__._....__..__._.___._.._.._..-----.._..._...._.. _._._._.___- ...__......._....._ . _..._._.__- i REWARDS Contact Us Discover.com ` _....._.._...._...._ ._.__...._..__._........._..._. 1-800-347-2683 Cashback Bonus® Make Check payable to Discover Meuse fold un the perfurubon below, detach and return with your payment Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month August S 0.00 + S 0.00 —$ 0.00 $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 3208 Minimum Payment Due $1,488.00 -•-- --------- ------ -- ---- - - -- . _-------------- - - - -- New Balance $10,918.69 Payment Due Date June 1, 2013 Amount enclosed pay'mei t +upon fri4at dct not 1sI4, 40 or tfopith . I?ay Onlihe. Pa$ h Pho 1 e: titlowityaym 3.8a0-441.Z6$ 1,, , Illlll i1,11 1111111.1111J111:.1111 111 1111 11,1111,11 ill AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025.1802 301962 Internet payments must be received by 5PM ETta be credited as of the some day Address, e-mail or telephone changed? Nate changes on reverse side PO BOX 71084 CHARLOTTE NC 28272 -1084 00000198645870312751010918690065007014880D 11 $ ,11,:,,1',,11111'1'1 AMANDA D BEAHM Account number ending i i 3208 ©yen Dale_ Apr 4, 2013 • Close Date: May 3, 2013 Page 2 of 4 Important Information See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report tmmediotelyl Coll 1 -800- 347 -2683. What Te Qo If You Think You Find A Mistake On Your 5totement If you think there Is on error on your statement, write to us at: Discover, PO Box 30421, Sall Lake City, UT 84130 -0421. You mvst write to es within 60 days after the error appeared on your statement. You may call us, but if you do we or not required to investigate any potential errors, and you moy have to pay the amount in question. The Billing Rights Notice further explains your rights. Please see your Cordmember Agreement or visit hflps : / /discover.com/billingrights for a copy of this notice. Payments. You moy pay all or part of your Account baton c at anytime. However, you ,Must pay of least the Minimum Payment Due by the Payment flue Dote. Send only, rpayment and the bottom portion 1 this statement in Inc vetopa royi e Uo not send co(, If you a by �eck, o outsgriizze us to use informotioq� orlyour peck to make eqn electronic ti ndd tronster from your account of the financial institutio indicated qn your check or to process the n1 ps a checc irpnsachpn, If pa payment is processed o on eledronic fun ,trynsler the transfer will b for the amount of the check. When we use into, lion from your check to make on eledronic fund transfer, tuns may be withdrawn from your account as soon as the scene pay we receive your payment, and you will not receive your check back from your finanaol institution. The processing of your poyment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form al our processing facility by 5PM local time on any day will be credited lo your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account es of the next doy. If you hove misplaced your envelope, send your payment to Discover, PO Box 6103, Corot Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment Is returned unpaid, we reserve the right to resubmit it as on eledronic debit. Payments made online or by phone will be credited as of the day of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or o greater amount that does not exceed your current Account bolonce, over the telephone or you can setup automatic payments through o customer service representative by calling 1- 800 -347 -2683, Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on shot statement, or the next automatic payment date referred to on your statement, unless you request o recurring payment dote (e.g., the 15" doy of the month} that occurs before your Poymenl Due Dote or Close Dote. If your scheduled payment dote falls on 0 weekend or bank holiday, your payment will be processed the business doy prior lo the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account informotion. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers es your electronic signoture, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also outhorize us to initiate debit or credit entries to your bank account, os opplicoble, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1- 800. 347.2683 or by moil of Discover, PO Box 30421, Soft Lake City, UT 84130.0421; however, we must receive notice at least three business days in advance of the scheduled payment, If your payments may vory in amount, we will tell you on each monthly billing stotement when your payment will be made and how rnuch it will be. CHANGE OF ADDRESS You must ensure that sufficient funds are available in your bank account, and ell tronsodions must comply with U.S. low, You con sel automatic payments for: (1) stotement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollar amount, If your scheduled "Other dollor amount' payment is not enough to cover the Minimum Payment Due os lisled on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Poymenl Due. If the scheduled payment is greater then the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement, If your scheduled payment is greater than the New Bolonce on your billing statement, that payment will be processed only for the amount of your New Balance. Your aulomotic payment amount may be less than the amount indicated on the billing statement based on credits or payments after the Close Dale, If you enroll by phone in our automatic payment service, please fill -in the following blonks below and retain the authorization for your records. Amount: E Full Pay 0 Min Pay 0 Min Pay+ $ :Other Amount$ ; Bank Routing #: Bank Account # Monthly on the?.( Payment Due DateLJClose Dote Day of month (insert dole) Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account io credit reporting agencies each month, If you believe thot our report is inaccurate or incomplete, pleose write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number, Paying Interest. Your due dale is of least 25 days ctter the close of ouch billing period (at leost 23 days for billing periods That begin in February). We will not charge you ony Interest on Purchoses if you pay your entire balance by the due dote each month, We will begin charging interest on Cosh Advances and Balance Transfers as of the later of the Transaction Dole or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Doily Balance Method (including current transactions) to calwiale the Balance Subject to Interest Rote. For more information, please call us at 1- 800 -347 -2683. Balance Subject to Interest Rate. Your stotement shows o Balance Subject lo Interest Role. It shows this for each transaction category. The Balance Subject to Interest Rale is the overoge of the doily balances during the billing period. Credit Balances. If your Account has a credit bulanoe, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of ony remaining bolonce of $1.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Contact Us section on page 3 of your billing stotemeni, Discover may monitor and /or record telephone calls between you and Discover representatives for quolity assurance purposes, The DiscoverR cord is issued by Discover Bank, Member FDIC. TL23N If correct on front, do not use. Please print clearly in blue or block ink, in the space provided. Street Address Home Phone r-- City 365 ei47 Work Phone Email To make changes fo your address, email or telephone number, visit Discover.com Continued an net page DISC VER CONTACT US Web 0 Mobile Access your Manage your account securely account anytime, al Discover.com anywhere at m. Discover.com Transactions Trans. Date Post Date Phone 1- 800 - DISCOVER (1- 800 - 347.26831 TDD 1 -800- 347 -7449 Discover Motiva Card Account number ending in 3208 Open Date: Apr 4, 2013 - Close Date: May 3, 2013 Page 3of4 Inquiry Mail Payments Discover Discover PO Box 30943 PO Box 6103 Salt Lake City Carol Scream UT 84130 IL 60197.6103 Fees Interest Charged May 1 May 1 LATE FEE TOTAL FEES FOR THIS PERIOD 2013 Totals Year -to -Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V= Variable Rata Information For You ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 22.24% V 17.24% V 12.24% V 23.99% V $5,627.01 $1,797.52 $3,176.14 $0,00 S S 35.00 35.00 160.27 0.00 0.00 160.27 $ 175.00 5 776.19 INTEREST CHARGE 5102.88 $25.45 $31,94 50.00 For more information about how interest charges are calculated see your Cardmember Agreement or go io www .discover.com /interestchorges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AMANDA D BEANM Account number endino in 3208 Open Dale; Apr 4., 2013 - Close Dote: May 3, 2013 PaRe 4 of 4 DISC VER ACCOUNT SUMMARY i Contact Us Discover.com i-" 1-800-347-2683 Previous Balance 510,723.42 Payments and Credits — $0.00 Purchases + $0,00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged +. $35.00 Interest Charged + $160.27 New Balance S10,918.69 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $10,000 Credit Line Available $0 Cash Advance Credit Line $2,000 Cash Advance Credit Line Available SO You may be be to ovoid interest on Purchases. See reverse for details. Discover Motiva Card Account number ending in 3208 Open Date: Apr 4, 2013- Close Date: May 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date Includes past due amount of: $10,918.69 $1,488.00 June 1, 2013 $1269.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have lo pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and fl will take you longer to pay off your balance. For example: atkt+tctltet �ads$n xt ariot • tktt cnr?1ond rnlonft. yAl'1,pg1� ,. ONYX gsiii at,g . And it uw9 nit up. • ..atom toot an Aft pclyi,r an. etOwtott f lout ,slalomotitftk q�attt „ Only the minimum payment I 38 years $ 52,202 1 f you would like information about credit counseling services, call 1 -800 -347 -1121. -- - .- ...__. ----------------------------- -._.__ ._.._.----- -..... _ .., REWARDS Cashback Bonus® Make Check payable to Discover Please fold on the perforatmn below, detach and return with your payment Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover.com S +$ —$ Anniversary Month August 0,00 0.00 0.00 0,00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Account number ending in 32081 Minimum Payment Due $1,488.00 New Balance - ------ ------- - - - - - -- $10,918.59 Payment Due Date June 1, 2013 Amount enclosed P rmefl1 Coupon P,6300 da ?uat krlda gop .or this,. Pay ottikie, 1 is eincol .. Pay. 1yr Awe : 11111II'111'11. 11,11Yl1111.1li''11,1,1111ill AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 tit 301967417d Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side PO BOX 71 084 CHARLOTTE NC 28272 -1084 1111,11111111y 11111 11,1lll i, 1 11 a000019864587031275101139186900650070148800 $ AMANDA D BEAHM Account number Important Information nding in3208 ,.., Open Date: Ape 4, 2013 - Close Dote; Moy 3, 2013 Pape 2 of 4 You must ensure that sufficient funds are available in your bank occouni, and all transactions must comply with U.S. low. See your Ca'dmemberAgreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1- 800- 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us ah Discover, PO Box 30421, Sall Lake City, UT 84130 -0421. You mvst write to us within 60 days after the error oppeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you moy hove to pay the omount in question. The Billing Rights Notice further explains your rights, Please see your Cardmember Agreement or visit hips : / /dlscover.com/billIngrights for a copy of this notice. (tiayments. You may pay all or part of your Account balance' of anytime. °weyer, you rust pay at least the Minimum Payment Due fre Iayment Due Dale. Send only, ooyur poyrnent and the bottom portion qtt is statement in Ile envelope proyrc ed, Lip nvl send co h. If you ay by 4het , roe aut-enz@ us to use inttormoti orv.your c eck to make pn electronic tend transter from your account al the financial Institution indicated qn your check or to process the payment ps a check transaction. If a payment is processed as an electronic fund,tryns /err the transfer will be for the amount of the check Wien we use information from your check to make on electronic fund 1 ansfer, funds may be wrihdrown from yo r account as soon as the sgrrrle dayvee receive your payment, and you will receive your check bock trom your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your poymeni, if you send the payment to any other address or if you use on envelope other than the one provided. Payments received in proper form ot our processing facility by 5PM local lime an any day will be credited to your Account os of !hot day. Payments received al our processing facility after 5PM local time will be credited lo your Account as of the next day. If you hove misplaced your envelope, send your poyment to Discover, PO Box 6103, Carol Stream, IL 60197'6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the right io resubmit it as an electronic debit. Payments mode online or by phone will be credited os of the doy of receipt if mode by 5 PM Eastern lime. You can pay your monthly Minimum Payment Due, or a greater amount thot does not exceed your current Account bolance, over the telephone or you con setup outomotic poyments through o customer service representative by calling 1- 800 - 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Date shown on that statement, or the next automatic payment dote referred to on your statement, unless you request a recurring payment dale (e.g., the 15'n day of the month) that occurs before your Poymenl Due Dole or Close Date. If your scheduled payment dole falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bonk account information. You will be asked to provide the last four (4) digits of the soda! security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this outhorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bonk account. You also authorize us to initiate debit or credit entries to your bank account, os applicable, to correct on error in the processing of such payment, You can cancel a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lilco City, UT 84130 -0421; however, we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be mode and how much it will be. CHANGE OF ADDRESS You can set automatic po imeres for: (i) statement New Balonce, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) Other dollor omount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled poyment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cord member Agreement, If your scheduled payment is greater than the New Balance on your billing stotement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount moy be less than the omount indicated on the billing statement based on credits or payments after the Close Date. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: U Full Pay °Min Pay :Min Pay+ $ ; [:Other AmounlS ; Bonk Routing #: Bank Account # Monthly on the'_] Payment Due Clete (-]Close Dote Ls Day of month (insert dote) Credit Reporting. We may report information about your Account to credit bureous. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report Is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850 -5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is at least 25 days after the close of ecdr billing period (ot least 23 days for billing periods that begin in February). We will not charge you any interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers as of the later of the Transaction Dote or the first doy of the billing period in which the transaction posted to your Account. How We Calculate Interest Chorges, We Use the Daily Balance Method (in-eluding Rate. Par more information, t �pleose calculate the Balance at 1- 600.347 -2683. Interest Balance Subject to Interest Rote. Your statement shows o Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subiect to Interest Rote is the overage of the doily balances during the billing period. Credit Balances. If your Account has o credit bolance, the amount is shown on the front of your billing statement. A credit bolance is money that is owed to you. You moy make charges ogairisl this omount if your Account is open. We will send you a refund of any remaining balance of 51,00 or more after 6 months, or es otherwise required by applicable low, or upon request made to the address in the Contact Us section on page 3 of your billing statement, Discover may monitor and /or record telephone colts between you and Discover representatives for quality assurance purposes. The Discoverrle card is Issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Pleose print clearly in blue or blade ink, In the spoce provided. Street Address Home Pho City 38 6147 Work Phone [mail To make changes to your address, email or telephone number, visit Discover.com Continued on next page DISC VER CONTACT US Web Access your account securely ai Discover.com Transactions Mobile Manage your account anytime, anywhere at m. Discover.com Trans. Dale Post Date Phone 1- 800 - DISCOVER (1- 800 -347 -2683) TDD 1-800-347-7449 Discover Motiva Card Account number ending in 3208 Open Date: Apr 4, 2013 - Close Date: May 3, 2013 Page 3of4 Inquiry Discover PO Box 30943 Salt Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197 -6103 Fees May 1 May 1 LATE FEE TOTAL FEES FOR THIS PERIOD Interest Charged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances V =Variable Rale Information For You $ $ 35.00 35.00 160.27 0.00 0.00 160.27 $ 175.00 S 776.19 ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE INTEREST CHARGE 22.24% V 17.24% V 12,24% V 23.99% V $5,627,01 $1,797.52 $3,176.14 $0.00 5102.88 525.45 531.94 50.00 For more information about how interest charges are calculated see your Cardmember Agreement or go to www,discover.com/interestcharges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION | AMANDA D KAMM Account number endMg in 3208 Open Da1e: Apr 4, 2013 - Close Do1e: May 3,2013 Page 4 of 4 | DISC VER ACCOUNT SUMMARY Previous Balance Payments and Credits Purchases Balance Transfers Cash Advances Fees Charged Interest Charged New Balance S10,918.69 $0.00 10.00 10.00 10.00 $35.00 $169.00 $11,122.69 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line Credit Line Available Cash Advance Credit Line Cosh Advance Credit Line Available You may be able to ovoid interest on Purchases. See reverse for details. 110,000 SO $2,000 10 Contact Us Discover.com 1- 800 -347 -2683 Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of $1122.69. Make Check payable to Discover Pleose fold on the perforation below, detach and return with your payment Discover Motive' Card Account number ending in 3208 Open Date: May 4, 2013- Close Dote: Jun 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Poyment Due' Payment Due Date • Includes past due amount of: $11,122.69 .\ $1,712.00 July 1, 2013 11488.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance Transfer APRs for new transactions may be increased up to the Penalty APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 1F;yaa li Tip o ortrtijx ipl Bg 1,trlti t ltiardo ectiE£atllts* . YO NOI lady a, aak:nc ?.1104bxi114$ Ufatemctnf lot about;,-, 1 Only the minimum payment 1 38 years 1��tIY+q��1n esiltf1 152,434 if you would like information about credit counseling services, call 1-800-347-1121. REWARDS Cashback Bonus® Opening Balance New Cashback Bonus This Period Redeemed This Period Cashback Bonus Balance To learn more, log in at Discover,com 1 +S Anniversary Month August 0.00 0.00 0.00 0.00 J NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ( Account number ending in . 3208 Minimum Payment Due $1,712.00 I New Balance $11,122.69 Payment Due Date July 1, 2013 F r;yyrr eilt eio12poln l C:160 c[tIt 1i r1 fOid, sr �w�ts . Pay Cabe ONcovottom Pay by Phone Hrhlfilihill111111111 11 111 i 111 111111111 1111 1111 AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 17025 -1802 tlIII 3019674Zd Internet payments must be received by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse side 000001986458703127510111226900041520171200 (Amount enclosed PO BOX 71084 CHARLOTTE NC 28272 -1084 $ lilt II111111i11 1111;11IIE1 i 111111 111:11111111I, AMANDA D BEAHM Account number ending in 3206_.. Important Information See your CardmemberAgreement. Your Card member Agreement contoins all the terms of your Account. Lost or stolen cords. Report imrnediotelyl Coll 1 -800- 347 -2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write lo us oh Discover, PO Box 30421, Son Lake City, UT 84130 -0421, You must write to us within 60 days otter the error appeared on your statement. You may call us, but if you do we are not required to investigate any potential errors, and you moy have to pay the amount in question. The Billing Rights Notice further explains your rights Please see your Cordmember Agreement or visit Mips : / /discover,com/billingrights for o copy of This notice. Payments. You moy pay all or port of your Account bolanc at anytime. owever, you roust pay at least the Mir�imurp Payment Due by the Payment Du Dote. Send only, oer payment and the bottom portion t this statement in t e envelope proyrgyed. Do not end cot , If you pay by Speck, yoe authorize us to use intormotior on your check to make on electronic fund transfer from your account at the financial inslitutipn indicated on your check or to process I,he payment as o check transaction. It a payment is processed as an eleyromc funadmlr Monster, the transfer will b for the amou t of 1 check. When we use information from your check to make on electronic fund transfer, lands may be withdrawn from yew account as soon as the serge day a receive your payment, and you will not receive your he back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other oddress or if you use on envelope other $hon the one provided. Payments received in proper form al our processing facility by 5PM local lime on any doy will be credited to your Account os of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery, If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. Payments made online or by phone will be redited os of the doy of receipt if made by 5 PM Eastern time, You on pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account bolance, over the telephone or you con setup automatic payments through o customer service representative by calling 1- 800- 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dote shown on that statement, or the next automatic payment date referred to on your statement, unless you request a recurring payment dole (e.g., the 151h doy of the month) that occurs before your Payment Due Dote or Close Dote, If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business doy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the Iasi four (4) digits of the sodol security number of the primary borrower. By providing those numbers us your electronic signature, you will be agreeing to this authorization to allow us and your bunk to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to Initiate debit or credit entries to your honk account, as applicable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phone at 1 -800. 347 -2683 or by moil ot Discover, PO Box 30421, Sall Lake City, UT 84130.0421; however, we must receive notice al least three business days in advance of the scheduled payment. If your payments may vary in omount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. Open Date: May_4, 2013 - Close Dote: Jun 3, 2013 Page 2of-4 You must ensure that sufficient funds are available in your bank account, and all tronsodions must comply with U.S. low, You can set automatic payments for: (i) statement New Bolance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed doltor amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Payment Due os listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be opplied in accordance with your Cardmember Agreement, If your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance, Your automatic payment amount may be less than the amount indicated on the billing statement bused on credits or payments offer the Close Dote. If you enroll by phone in our automatic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: '] Full Pay cj Min Pay DMin Pay+ $ j Olher Amounts ; Bank Routing #: Bonk Account # Monthly on the 0 Payment Due Dote lJ Close Date [ Day of month (insert dale) Credit Reporting. We may report information about your Account lo credit bureous. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and poymeni history of your Account to credit reporting agendes each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due dale is at least 25 dots after the close of each billing period (ot least 23 days for billing periods that begin in February). We will not charge you ony interest on Purchoses if you pay your entire bolance by the due date each month. We will begin charging interest on Cosh Advances and Bolonce Transfers as of the later of the Tronsoction Date or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges. We Use the Daily Balance Method (including current transactions) to calculote the Balance Subject to Interest Rote. for more information, please call us al 1 -800- 347.2683. Balance Subject to Interest Rate. Your statement shows a Bolonce Subject to Interest Role. It shows this for each ironsadion category. The Balance Subject to Interest Rate is the average of the doily balances during the billing period. Credit Balances. If your Account has o credit bolance, the amount is shown on the front of your billing statement. A credit bolance is money that is owed to you, You may moke charges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode 10 the address in the Concoct Us section on page 3 of your billing stotement. Discover may monitor and /or record telephone colts between you and Discover representatives for quoity assurance purposes. The Discoverrfil cord is issued by Discover Bank, Member FDIC. TL23N CHANGE OF ADDRESS If correct on front, do not use. Please not ���._.___.._............,. ...._,._.,......_,.....___..._.__.... .,...._- .,_.....__,..._..._._._ p' early in blue or block ink, in the space provided. Street Address I Horne Phone City 3 A-4'47 Phone To make changes io your address, email or telephone number, visit Discover.com Continued on next page DISC VER Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013 - Close Dote: Jun 3, 2013 Page 3 of 4 CONTACT US 0 Web Mob Access your Mobile Phone Inquiry Manage your 1-800-DISCOVER Discover Mail Payments Discover account securely account anytime, (1-800-347-2683) PO Box 30943 PO Box 6103 at Discover.com anywhere at TDD 1-800-347-7449 Solt Lake City Carol Stream m,Discover.com UT 84130 IL 60197-6103 _} ■.• Transactions Trans. Date Pest Date Fees Jun 1 Jun 1 LATE FEE 5 35,00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged 2013 Totals Year-to-Date INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 169.00 0.00 0.00 169.00 TOTAL FEES CHARGED IN 2013 210.00 TOTAL INTEREST CHARGED IN 2013 945.19 Interest Charge Calculation Your Annual Percentage Role (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchoses 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 22.24% V 17.24% V 12.24% V 23.99% V $5,767.88 $1,823,57 $3,208.78 $0.00 INTEREST CHARGE $108,97 $26.68 $33.35 $0.00 V=Variable Rote Information For You For more information about how interest charges are calculated see your Cord member Agreement or go lo www.dkcoier.com/interetdigrges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION AiviANDA D 8EAHM Accouni number endina in 3208 Open Dale: May 4,2013 - Close Dole: Jun 3, 2013 Page 4 of 4 DISC VER ACCOUNT SUMMARY Previous Balance 510,918.69 Payments and Credits — $0.00 Purchases + $0.00 Balance Transfers + $0.00 Cash Advances + $0.00 Fees Charged + 535.00 Interest Charged + $169.00 New Balance 511,122.69 See Interest Charge Calculation section following the Transactions section for detailed APR information Credit Line $10,000 Credit Line Available 50 Cash Advance Credit Line 52,000 Cash Advance Credit Line Available 50 You may be able to ovoid interest on Purchases. See reverse for details. Contact Us D -800 -3 cam 1 47.26$3 Please make check payable to Discover. You ore overlimit. Pay the sum of the Minimum Payment Due plus the remaining overlimit amount of 51122.69. Make Check payable to Discover Please fold on the perforalion below, detach and return with your payment Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013- Close Dote: Jun 3, 2013 Cardmember Since 2007 Page 1 of 4 PAYMENT INFORMATION New Balance Minimum Payment Due' Payment Due Date I ' Includes pass due amount of: $11,1.22.69 $1,712.00 July 1, 2013 $1486.00 Late Payment Warning: If we do nol receive your minimum payment by the dale listed above, you may hove to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 27.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and i1 will take you longer to pay off your balance. For example: If igoIo si tlik real dar0ua olo this mtr4 oho 004)1Ytanllt . ....... vinf I�alaoc>:s �t:a d,f )4- gcltlosl ii}I drool 4tltterte1tflfa gottt....:+T., $52,434 Only the minimum payment l 3B years If you would like information about credit counseling services, call 1 -800- 347 -1121. REWARDS Cashback Bonuse Opening Balance New Cashbock Bonus This Period Redeemed This Period_ _.___.___._...._- _._.- _._.__.._ Cashback Bonus Balance To learn more, log in at Discover.com Anniversary Month August 0.00 0.00 0.00 0.00 _J NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Pyymen! •urr,paon Pay a" a Pp? by Phone , Rfeas* {td tiOt J Id a eJtp or• kropte, f ka:q - orrt 1:800.347.2683 lllll1l lll �`IiIIIII��IIII�: IIL III11IIIIIltlllllll1ll1i AMANDA D BEAHM 19 ANNETTE DR ENOLA PA 1 7025 -1 802 30197%4d Internet payments must be receaved by 5PM ET to be credited as of the same day Address, e-mail or telephone changed? Note changes on reverse. side [Account number ending in Minimum Payment Due New Balance Payment Due Date Amount enclosed PO BOX 71084 CHARLOTTE NC 28272.1084 III ililiill11Lll1Ilniill 000001986458703127510111226900041520171200 3208 $1,712.00 $11,122.69 July 1, 2013 5 Illlllllulil:I IIIIII'III IIIIIilii11i AMANDA D BEAHM Account number ending in 3208 Important Information See your Cordmember Agreement. Your Cordmember Agreement contains oll the terms of your Account. Lost or stolen cards. Report immediotelyl Coll 1 -800 -347 -2683. What To Do if You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us oh Discover, PO Box 30421, SoII Lake City, UT 84130 -0421. You must write to us within 60 days after the error appeared on your statement. You may call us, but if you do we ore not required to investigate any potential errors, and you may hove to poy the amount in question. The Billing Rights Notice further explains your rights. Please see your Cord member Agreement or visit hftps : / /discover.comfbillingrights for a copy of this notice. Payments. You may pay all or port of your Account balance at any lime. However, you roust pay of least the Minimum Payment Due by the Poyment DI Dote, Sap d only, yot r payment and the benom portion qf this statement in t o envelope proyrdfed, o not send cash, If you y by k u a b het , you out ris us to use in ormalion on your check to make en eleqdronic fund tronster from your account at the financial institution indicated on your check or to process the payment os a check trpnsoclipn, If a payment is processed os an electronic fund twister, the transfer will be for the amount of the check. When we use information from your check lo make an electronic fund transfer, funds moy be withdrawn from nor account as soon as the seine day we receive your poyment, and you will not receive your check bock from your financial institutiion. The processing of your poymenl may be delayed if you send cash, correspondence or other items with your payment, if you send the payment lo any other address or if you use on envelope other than the one provided. Payments received in proper form oI our processing facility by 5PM local time on any day will be credited to your Account es of that day. Payments received at our processing facility after 5PM local lime will be credited to your Account os of the next day. 11 you hove misploced your envelope, send your poymenl to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7.10 doys for delivery. If your payment is returned unpaid, we reserve the right lo resubmit it as an electronic debit. Payments made online or by phone will be credited as of the doy of receipt if mode by 5 PM Eastern time. You con pay your monthly Minimum Payment Due, or a greater amount shot does not exceed your current Account balance, over the telephone or you con setup automalic payments through a customer service representative by calling 1- 800 - 347 -2683. Automatic payments for the billing period shown on your statement will be deducted on the Payment Due Dole shown on that statement, or the next automatic payment dale referred to on your statement, unless you request a recurring payment dale (e.g., the 151h day of the month) that occurs before your Payment Due Dote or Close Date. If your scheduled payment dote falls on o weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, will be agreeing to this authorization to allow us and your bank to d duct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries lo your bonk account, os applicable, to correct on error in the processing of such payment. You can cancel a scheduled payment by phone of 1-800-347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however, we must receive notice at least three business days In advance of the scheduled payment. If your poyments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much It will be. CHANGE OF ADDRESS Open Date: May 4, 2013 - Close Dote: Jun 3,, 2 013 Pale 2 of 4 You must ensure that sufficient funds are available in your bank account, and all transoctions must comply with U.S, low. You con set avtomatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Poyment Due plus o fixed dollar amount, or (iv) Other dollar amount. If your scheduled "Other dollar amount' payment is not enough to cover the Minimum Pcyment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Poyment Due. If the scheduled payment Is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement, If your scheduled payment is greater thon the New Bolonce on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount may be less Than the amount indicated on the billing statement based on credits or payments after the Close Dote. If you enroll by phone in our outomalic payment service, please fill -in the following blanks below and retain the authorization for your records. Amount: LJFull Pay :Min Pay 0Min Pay+ 5 "Other AmountS ; Bank Routing #: Bank Account # Monthly on the Li Payment Due Dote IUCIase Dote Doy of month (insert dale) Credit Reporting. We may report information about your Account to credit bureaus. Lola payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. 11 you believe thol our report is inoccurate or incomplete, please write us al the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number. Paying Interest. Your due date is of least 25 days after the dose of each billing period (at least 23 days for billing periods that begin in February). We will not chorge you any interest on Purchases if you pay your entire balance by the due dote each month. We will begin charging interest on Cosh Advances and Balance Transfers es of the later of the Transaction Dote or the first day of the billing period in which the transaction posted to your Account. How We Calculate Interest Charges, We Use the Doily Balance Method (including current transactions, to calculate the Balance Subject to Interest Rale. For more information, pleose call us at 1.800. 347.2683. Balance Subject to Interest Rate, Your statement shows o Balance Subject to Interest Role. It shows this for each transaction cotegory, The Balance Subject to Interest Rate is the overoge of the daily balances during the billing period. Credit Balances. If your Account has a credit bolonce, the amount is shown on the front of your billing statement. A credit bolonce is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of 51.00 or more after 6 months, or as otherwise required by applicable low, or upon request mode to the address in the Concoct Us sedion on page 3 of your billing statement. Discover may monitor and /or record telephone colts between you and Discover representatives for quality ossurence purposes. The Discover t® card is issued by Discover Bonk, Member FDIC. TL23N If correct on front, do not use. Please print cleorly in blue or block ink, in the space provided. Street Address ) City Home Phonr Work Phone Email To make changes to your address, email ortelephone number, visit Discover.com Continued an next page DISC VER CONTACT US Web Access your account securely at Discover.com Transactions 0 Mobile Manage your account anytime, anywhere at m. Discover,com Trans. Date Post Date Phone 1- B00- DISCOVER (1. 800 - 347 -2683) TDD 1 -800- 347 -7449 Discover Motiva Card Account number ending in 3208 Open Date: May 4, 2013 - Close Date: Jun 3, 2013 Page 3of4 Inquiry Discover PO Box 30943 Sall Lake City UT 84130 Mail Payments Discover PO Box 6103 Carol Stream IL 60197.6103 Fees Interest Charged Jun 1 Jun 1 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 2013 Totals Year -to -Date TOTAL FEES CHARGED IN 2013 TOTAL INTEREST CHARGED IN 2013 Interest Charge Calculation Your Annual Percentage Role (APR) is the annual interest role on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases 01/23/2012 and after 09/23/2011 to 01/22/2012 09/22/2011 and prior Cash Advances ANNUAL PERCENTAGE RATE BALANCE SUBJECT TO (APR) INTEREST RATE 22,24% V 17,24% V 12.24% V 23.99% V $5,767.88 $1,823.57 $3,208,78 $0,00 $ 35.00 169.00 0.00 0.00 169.00 $ 210.00 $ 945.19 INTEREST CHARGE $108.97 $26.68 $33,35 $0,00 V= Variable Rate Information For You For more information about how interest charges are calculated see your Cardmember Agreement or go to www ,discover.com /inierestcharges 30196747 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION 1 1 1 1 AMANDA D UMW 30196747 Account number ending in 3208 Open Date:May 4, 2013 - Close Date; Jun 3, 2013 Page 4 of 4 11DCM0 _02BOK_T123AG0211_00093.1ndd 1 -2 DISCOVER YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT Pages 1 -14 The terms and conditions of your Account, including how we calculate Interest Charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13, BILLING RIGHTS Pages 14-16 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE Pages 16-24 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE Page 24-25 The terms and conditions of this free travel assistance benefit. ®2011 Discover Bank, Member FDIC TL23AG.0211 1/11111 2:11 AM EXHIBIT '. �3 CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discover® Card Account. It contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you, In the event of any differences, this Agreement shall control. We respect your privacy, See the Privacy section on page 10 and our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 Includes a waive' of a number of rights, induding the right to a Jury trial. The Right to Reject Arbitration section on page 13 describes the procedure you must follow If you desire to reject the Arbitration of Disputes section, DEFINITIONS 2 USING YOUR ACCOUNT 2 Your Acceptance of this Agreement 2 Permitted Uses of Your Account 2 Prohibited Uses of Your Account 3 Purchases and Cash Advances in Foreign Currencies 3 Cash Advances 3 Balance Transfers 3 Credit Authorizations 3 Authorized Users 3 Unauthorized Use 4 Your Credit Lines 4 CHANGES TO THIS AGREEMENT 4 MAKING PAYMENTS 4 Promise to Pay 4 Monthly Billing Statement 5 Monthly Payment Options 5 Automatic Billing Arrangements 5 How We Apply Payments 5 Minimum Monthly Payment 6 Skip-A- Payment Offers 6 Credit Balances 6 Pay.ByPhone 6 INTEREST CHARGES 6 How We Calculate Interest Charges b Balance Subject to Interest Rate 7 Paying Interest 7 Annual Percentage Rates 7 Variable Interest Rates 7 Penalty APR 8 FEES 8 Cash Advance Fee 8 Balance Transfer Fee 8 Foreign Currency Fee 9 Minimum Interest Charge 9 Annual Fee 9 Late Fee 9 Returned Payment Fee 9 Returned Discover Card Check Fee 9 Research Fee 9 DEFAULT AND CANCELLATION 9 - 1 - 11DCMO _02BOILTL23AG0211_000e3.1ndd 3-4 1/11111 9:41 AM Cancellation 10 PRIVACY AND OUR COMMUNICATIONS WITH YOU 10 Our Privacy Policy ........... ......... ........... ...... ..... 10 ReportksgtoC redllAgendes 10 Our Communications with You 10 Releasing Information About Your Account 11 Electronic Notices to You 11 Notices — Changes lo Your information CLAIMS AND DISPUTES Merchant Disputes 11 Claim Notices 11 Right to Reject Arbitration 13 LEGAL INTERPRETATION OF THIS AGREEMENT 14 Severabllity 14 Compliance with interest Rate Limitations . . .. . ....... . . . . . . . . 14 Governing Law 14 ASSIGNMENT OF ACCOUNT 14 DEFINFTIONS ' Account" means you Discover Card Account. "APR" means an annual percentage rate. "Authorized User means any person whom you authorize to use your Account or a Card, whether you notify us or not ' Card" means any one or more Discover Cards Issued to you or someone else with your authorization "Pricing Schedule" means the document accompanying your Card and listing the APRs That apply to your Account and other Important Information. The Pricing Schedule Is part of this Agreement. 'We,' "us' and "our refer to Discover Bank, the Issuer of your Discover Card, "You." 'your or "yours" refer to, in additon to you, the Cardmember, any other person or persons who are also convactually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement. The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept this Agreement, Including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of disputes section as explained on page 13. Permitted Uses of Your Account. You Account may be used for: . Purchases — to purchase Of lease goods or services from participating merchants by presenting your card or Account number or by using promotional checks, whkh we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time, Cash Advances — to obtain cash advances from participating automated telex machines, financial institutions or other location the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign 11OCMO U2BOK_1L23AGO211_00083.hdd 5 -5 currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time, Balance Transfers — to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terns and conditions as we may offer from time to tine. In addition, your Account may be used to guarantee reservations at partidpating establishments, You will be liabk for guaranteed reservations that are not cancelled prior to the time specified by the establishment, Your Account may be used for personal, family, household and charitable purposes, Prohibited Uses of Your Account. Your Account may not be used to obtain bans to purchase, carry or trade In securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ( "Prohibited Transactions "). Purchases and Cash Advances In Foreign Currendes.If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government- mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency In which the transaction Is made, The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Rate as shown on your statement, We charge a Foreign Currency Fee for each purchase made in a foreign currency as described In the Foreign Currency Fee section on page 8. Cash Advances. We may periodically offer you promotional rates on cash advances for the time period specified in the offer, subject to the Penalty APR section, The offer may contain a Ceti Advance Fee for each Cash advance. Balance Transfers, In our discretion, we may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks, The standard purchase rate applies to balance transfers. However, we may perlodically offer you promotional rates on balance transfers for the time period specified in the offer, subject to the Penalty APR section. Each offer will contain an expiration date. H you attempt to transfer balances by means of a check after the expiration data, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date, We may charge a Balance Transfer Fee es irdkated In the Balance Transfer Fee section Credit Authorizations. Certain transactions will require our authorization prior to completion In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also If our authorization system Is not working, we may not be able to authorize a transaction, We will not be liable to you if any of these events happen. Authorized Users. if you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card In that person's possession. You can notify us by telephoning 1- 800.DISCOVER (1.000-347.2603), or by writing Discover, PO - 3 - 1x11/11 a:41 AM Box 30943, Salt Lake City, UT 84130-0943. None of your rights under thls Agreement (other than to pay amounts owed) may be exerdsed by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. 0 a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us Immediately. You can notify us by telephoning 1- B00- DISCOVER (1 -B00- 347. 2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. You agree 10 assist us in determining the fads relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation, Your Credit Lines, We will advise you of your Account credit Inc. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, Including Interest Charges and fees, to exceed your Account credit line, if you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line, We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit Inc. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days redudng your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreement, including, but not limited to, any Interest rate, fee or method of computing any balance upon which the interest rate Is assessed, or add or delete any term to thls Agreement We will give you notice of the change In the time and manner required by law, which Includes 45 -days advance written notice in some circumstances. In addition, to the extent required by law, we will offer you the opportunity to reject a change. For example, law requires, with certain exceptions, that we offer you the opportunity to reject an Increase in a late tee or the elimination of a grace period prior to the effective date of the change. If you reject a change in accordance with the instructions In the notice provided, we wit close your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term, We may also change any term of any product service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit MAKING PAYMENTS Promise to Pay. You agree to pay us In U.S. dollars for all purchases, cash advances and balance transfers including applicable Interest Charges and other charges or fees, Incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are 11 DCMD _02BOK_TL23AG0211_00093.Indd 7 -8 using your Account or a Card, if you pey us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U,5. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account Is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account, We can accept late payments or partial payments or checks and money orders marked "payment in full" or with any other restrictive endorsement without losing any of our rights under this Agreement. Monthly Billing Statement. We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show the purchases, cash advances, balance transfers, Interest Charges and other charges or fees and the payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period, If your prior month's payment Is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement, See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made In accordance with the terms stated on your monthly billing statement, as well as the payment cut -off time stated In this section, and we will credit your Account in accordance with those terms and thls section. Payments received in proper form at our processing facility by SPM local time on any day will be credited as of that day, Payments received In proper form at our processing facility after 5PM local time will be credited as of the next day, Automatic Billing Arrangements. If your Account number andlor Card expiration date changes and our records indicate you have automatic billing established with a merchant we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verify the merchant has your new Auount Information, You must contact the merchant directly if you do not wish to continue the automatic bilOng arrangement. How We Apply Payments. We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits In accordance with applicable law. Each billing period to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts generally In order of the APR applicable to the balance of each transaction category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment. For promotional balances with the same APR, we will apply payments to the promotional balance with the longest remaining duration before promotional balances with shorter remaining durations. 1/11/11 9:41 AM I iE Minimum Monthly Payment The Minimum Payment Due for a billing period will equak (i) the greater of ri • 22 %�of the New Balance shown on your billing statement for that billing period; or • current Interest Charges plus Late Fees plus S20; (ii) any past due amount. We may also Induce some or all the amount by whldi you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period, The Minimum Payment Due will be rounded up to the nearest dolar and will never exceed the New Balance. Skip- A-Payment Offers, We may hem time to time allow you to not make a Minimum Payment Due and will notify you when this option is available, If you take advantage of this offer and do not make a Minimum Payment Due, Interest Charges and any_appficable fees will accrue on your Account In accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than 11 that remain in your Account after 6 months, Pay.By.Phone. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a depeslt account to your Account We will not charge you a Pay- By-Phone Fee. INTEREST CHARGES How We Calculate Interest Charges — Daly Balance Method (Including current transactions). We figure Interest Charges for each billing period, To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms), We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (Including those adjustments required In the section titled Paying Interest), In calculating the dally balance for the first day of the billing period. we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by Its daily periodic rate, for each day in the billing period, • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. - 6 - 11DCM0 _02BOK.TL23AG0211_00003.Indd 9-50 When we calculate daily balances, we add a new transaction as of the Traraactlon Date shown on your billing statement, unless the tramactien is posted to your Account after the dose of the billing period In which It occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period In which it Is posted to your Account, Ail fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Balance Subject to Interest Rate. Your statement shows a Balance Subject 10 Interest Rate, R shows this for each transaction category. The Balance Subject to Interest Rate shown on your statement is the average of the daily balances during the billing period, Paying Interest, We begin to impose Interest Charges on all transactions and fees from the Transaction Date shown on your billing statement for the transaction or fee. However, N a transaction or fee is posted to Your Account after the dose of the billing period in which it occurs, we beget 10 Impose Interest Charges on that transaction or fee from the first day of the billing period in which it Is posted to your Account, We begin to impose Interest Charges on Interest Charges from the date they are added to your Account We continue to impose Interest Charges on all transaction, fees and Interest Charges until you pay the total amount you owe us. Your due date will boat least 25 days after the close of each billing period except that it will be at least 23 days after the close of each billing period that begins In February. if paid the New Balance on your previous billing statement by the Payment Due Dale shown on that billing statement, we will not Impose Interest Charges on new purchases, that Is purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Dale on your current billing statement. We call this the "grace period," There is no grace period on balance transfers or cash advances. As more fully described In the section titled "How We Apply Payments," we apply payments in a manner most favorable or convenient for us and, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply such excess amounts generally in order of the APR applicable to the balance of each transaction category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment This means that H you do not pay your balance in full each month, then, depending on the balance to which we allocate your payment, you may not be able to get a grace period on new purchases, Annual Percentage Rates. The daily periodic rate and corresponding APR that apply to each transaction category are net forth in your Pricing Schedule. The daily periodic rate is I/365th of the corresponding APR. Variable Interest Rates, One or more daily periodic rates and corresponding APRs that apply to a transaction category may be variable rates as set forth in Your Pricing Schedule or in any special offers you receive from us, Variable APRS are determined by adding a specified number of percentage points to the Prime Rate. Thls is shown on the Pnldrsg Schedule es "Prime + {percentage points)." For purposes of this Agreement, the Prime Rate is the -T 1/11n1 9:41 AM highest rate of Interest listed as the "prime rate" In the Money Rates section of The Wall Street lournaf on the last business day of the month, The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time, If you have a variable rate, your APR will Increase or decrease when the Prime Rale changes This change will be effective beginning with the fire day of the billing period that begins during the same calendar month as the change in the Prune Rate, An increase in the APR may increase your Minimum Payment Due, Penally APR, fach tine that you do not make the Minimum Payment Due by the Payment Due Date we may, In accordance with applicable law: (i) terminate the availability of any promotional APRs on new purchases and balance transfers; and iRJ Increase your APRs for new purchases and balance transfers to variable Penalty APRs. Each new variable Penalty APR for a new purchase or balance transfer Is determined by adding up to 5 additional percentage points to the otherwise applkable APR and will vary based on any changes in the Prime Rate (For example, If the promotional urchase rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 2099% variable and vary thereafter with the Prime Rate.) When we first determine the variable Penalty APRs, we use the Prime Rate effective for the billing period In which you pay late. The variable Penalty APRs are determined In accordance with the Variable Interest Rates section. We will base your PenahyAPR on your creditworthiness and other f a c t o r s wch as your current APRs and your Account history. I f we Increase any of your APRs to a Penalty APR, we will send you a notice, in accordance with applicable law, advising of {i) the date the new Penalty APR will apply (the "Penalty APR Effective Date ") and 01) the new purchases and balance trarlsf ers to winch it will be applied (note: the new Penalty APR WI/ not apply to any other transactions), New purchases and balance transfers are those purchases and balance transfers which either 0) have a Transaction Date, as shown on your billing statement, of more than fourteen days idler we mail or deliver the notice to you or (ii) were posted to your Account after the current Penalty APR Effective Date, Your Account will not be subject to a Penalty APR for the first twelve billing periods after your Account Is first opened. if your APR for purchases or balance transfers was Increased to a Penalty APR, we will, to the extent required by applicable law, periodically review your Account to determine If any of those APRs should be reduced. Any reduced APRs on new and existing balances may be different and may be higher than your previous standard APRs for pied-lases and/or balance transfers or any promotional rate, FEES cash Advance Fee, Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance fee In the amount Indicated on your Prising Schedule, All forms al cash advances, Including the use of Discover Card checks, regardless of the purpose for which used, are subject to a Cash Advance Fee. Balance Transfer Fee. Unless otherwise specified In a balance transfer offer, we will charge you a Balance Fransfer Fee of 5% of the amount of each new -B• 11DCMO_02BOIk_TL23AG021 I_0s o3.I'dd 11.12 balance transfer with a minimum Balance Transfer Fee of 110 and no maximum Foreign Currency Fee. We will charge you a Foreign Currency Fee of 2% of the U,5, dollar amount of each purchase made in a foreign currency. Minimum Interest Charge. We will charge you a minimum Interest Charge of 8,50 for any billing period in which Interest Charges of less than 8.50 would otherwise be imposed. Annual Fee, If your Pricing Schedule accompanying your Card includes an Annual Fee, we w81 charge you an Annual Fee In the amount Indicated. We wit charge you this fee when we open your Account and at the beginning of each anniversary year your Account n open. The Annual Fee Is not refundable, except as provided by law. Late Fee. We will charge you a late Fee If you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that bluing period. The amount of the Late Fee is 825, except the amount of any subsequent Late Fee assessed during the next six billing periods after late Fee Is assessed is $35.The Late Fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the Late Fee was assessed and will never exceed the amount permitted by law, Returned Payment Fee, We will charge you a Returned Payment Fee arty time you pay as with a check or other instrument that is returned unpaid. This fee will also apply If a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally, to deduct all or a part of an amount you owe us under this Agreement is retuned unpaid, We will charge you thls tee the first lime any payment Is returned unpaid, even if it is paid upon resubmission, The amount of the fee Is $25, except the amount of any subsequent Returned Payment Fee assessed during the next six billing periods after a Returned Payment Fee is assessed Is $35. The Returned Payment Fee will never exceed the Minimum Payment Due that was due Immediately prior to the date on which the payment was returned to us and will never exceed the amount permitted by law, Returned Dlstover Card Check Fee. We will charge you a Rettvned Discover Card Check Fee each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. The amount of the fee is $25, except the amount of any subsequent Returned Discover Card Check Fee assessed during the next six biting periods after a Returned Discover Card Check Fee is assessed Is $35, Ilse Returned Discover Card Check Fee will never exceed the amount of the check and will nevet exceed the amount permitted by law. Research Fee. We may charge you a Research Fee of $5 for each ropy of a billing statement or sales slip that you request. However, we will not charge a fee If you request copies in connection with a billing error, DEFAULT AND CANCELLATION Types 01 Default You are in default it you become insolvent, if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwiring to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you of a conservator for your assets•, if you die; if you fail to comply with the terms of this Agreement, Including falling to make a required payment •9- 1 /11111 &a1 AM when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of Default. If you are in default, we may dedare the entire balance of your Aaount Immediately due and payable without notice. 11 we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually Incurred by us, including fees and costs in connection with any appeal, We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us In writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1.800- DISCOVER (1 -B00- 347 - 2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement, If your Account is a joint Account, either Cardmember may cancel the Account, but you will joint remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice, We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request, PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your aedit, employment and income records. We respect the privacy of information about you and your Account. Our Privacy Policy indudes a summary of the personal information we (elect, when It may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement, Reporting to Credit Reporting Agencies. As indicated In our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number, Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail, text messages and calls to your cell phone to contact you about your Account or to offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1- B00- DISCOVER (1-800-347-2633) or write to us at Discover, PO Box 30961, Salt Lake City, UT 84130 -0961, - 10 - 11 DCMO_02aOK_TL23AG0211 00w3.lndd 1311 Releasing Information About Your Account. We provide various methods by which you can obtain Information about your Account. We wil only release such Information to you, any Authorized User that our records Indicate Is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot Insure against unauthorized Inquiries. You agree that we will not be responsble for the release of Information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other Identifying characteristics about you such as your personal Identification number, Account number orsoclal security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, Including monthly billing statements and change of terns notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices— Changes to Your information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify as by telephoning 1 -800- DISCOVER 11- 800 - 347 -2683) or by writing Discover, PO Box 30943, Salt Lake City, UT 84130.0943. If your Account Is a joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers, CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notkes, In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating In any judicial or arbitration proceeding, as either an individual litigant or member of aclass ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ( "Claim Notice "), at least 15 days before Initiating any Proceeding, explaining In reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes arty claims involving our parent corporation, subsidiaries, affiliates (indudmg, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entitles. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) lithe "Claim Notice Address ") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate, In the event of any past, U11/11 9,11 AM I present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your AccasM, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration, IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE - HEARING DISCOVERY RIGHTS AND POST - HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ( "Class Action Waiver "). Notwithstanding anything else to the contrary in this arbitration provision, only a court and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even If all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted In that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not Invoke our right to arbitrate an individual daim you bring In small claims court or your state's equivalent court it any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account irwolves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever tiles the arbitration claim, by either the American Arbitration Assodation (AAA) or JAMS in accordance with their procedures In effect when the claim is filed. For a copy of their procedures, to file a daim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017.5905, vwwv.adrorg (phone 1.800.778 -7879) or JAMS at 620 Eighth Ave, Floor 34, New York, NY 10018, www.jamsadLcom (phone 1. 800.352. 5267), No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or Informal policy, rule or procedure that is Inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbltratlon filing, administrative and hearing fees which youwou(d be required to pay - 12 - 1 11DCM0 __0200K_TLO3AGO211_000e3.lndd 15.15 to pursue a daim or dispute as a result of our electing to arbitrate that daim or dispute. Send requests to Discover, PO Box 30421, Salt Lake Crty, UT 84130-0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay any fees or costs Incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal udicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply (f the action were pending in court. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds $100,D00, any party may appeal the award within 30 days to a three - arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party wig pay the cost of the appeal, regardless of its outcome, However, we will consider in good faith any reasonable request for us to bear the lees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction, Other Beneficiaries of this Provision Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DES Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entitles, and will also Inure to the benefit of any third party named as a co- defendant with us or with any of the foregoing In a claim which is subject to this arbitration provision, Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account, Survival of this Provision. Thls arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account, Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 3D days after receiving a Card, at the following address: Discover, PO Box 30938, Salt Lake city, UT 84130 -0938. If you were previously sub )ectto arbitration with respect toany account with us, this right to reject arbitration will not apply to you Your rejection notice must Include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice In a- manner or format that does not comply with a0 applicable requirements is insufficient notice. In - 13 - 1/11111 9:41 AM i order to process your we require that the notice be provided by you directly and not through a third party, Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section WO respect to this and any prior account you have had with us, even If you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severablity. If any part of this Agreement becomes unenforceable, b will not make any other part unenforceable, except that if the Class Action Waiver set forth above In the Arbitration of Disputes section Is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes sections wiz be void with respect to that proceeding. Compliance with Interest Rate Limitations. We Intend that thls Agreement will comply with applicable interest rate limitations, You sell! not be required to pay Interest Charges or other charges at a rate that Is greater than the maximum amount permitted by law, If It Is ever finally determined that, but for this section, the Interest Charges or other charges under this Agreement would exceed the maximum lawful amount, the Interest Charges and other charges will be reduced to the maximum lawful amount. Any exces amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing law. This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law, ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you, You may not sell, assign or transfer your Account without first obtaining our prior written consent, Your Billing Rights; Keep This Document For future Use This notke tells you about your rights and our responslbAttes under the Fair credit Billing Act. What To Do If You Find A Mistake On Your statement If you think there is an error on your statement, write to is at: Discover PO Box 30421 Salt Lake City, UT 84130 -0421, In your letter, give us the following Information: • Account Information: Your name and:account number. • Dollar amount: The dollar amount of the suspected error, • Description of problem:11you think there Is an error on your biN, describe what you believe is wrong and why you believe it is a mistake, -14- 1117CM0_021301C ?L 23ACO211_ona3.fMd 17 -10 You must contact us: • Within 60 days after the error appeared on your statement • At least 3 business days before an automated payment is scheduled, If you want to stop payment on the amount you think Is wrong, You must notify us of any potential errors in wrltlnq. You may call us, but if /au do we are not required to investigate any potential errors and you may lave to pay the amount In question. What Will Happen After We Rec. jve Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your letter, We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct, While we Investigate whether or not there has been an error: • We cannot try to collect the amount In question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance, • We can apply any unpaid amount against your credit limit. After we ilnish our Investigation, one of two things will happen: • we made a m : You will not have to pay the amount In question or any interest or other tees related to that amount. • Wise do not believe there wasa mistake: You will have to pay the amount in question, along with applicable Interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent If you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong you must write to us within Jkdoe telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. 11 we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct, Your Rights ff You A re Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried In good faith 10 correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase, To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase prke must have been more than $59, (Nate: Neither of these are necessary If your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) - 15 - 1/11111 9,41 AM 2, You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. if all of the criteria above are met and you are still dissatisfied with the purchase, contact to in wTAinq at Discover PO Box 30945 Salt Lake City, UT 841341-0945 While we Investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent DESCRIPTION OF COVERAGE SCHEDULED Alt TRAVEL ACCIDENT INSURANCE Discover@ Cardmembers are provided with 5500,000 Scheduled Air Travel Accident Insurance! You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) wr1 be automatically Insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger In or enters exiting or being struck be a Scheduled Aircraft or a conveyance operated a military transport seroce or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person Ices purchased passage and Immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger, 'Coverage is underwritten by Federal Insurance Company, a member Insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,00x) is payable for Accidental Loss of Life, The loss must otter within one year of the Accident. MAXIMUM UMIT OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of Insurance (S20,OOO,ODO) per Accident If an Accident results In Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of Insurance shown above, the maximum limit of insurance will be divided proportionally among the insured Persons, based on each applicable Benefit Amount, In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Llfe. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. - 16 - 1U9 CMO_0200K TL23AG0211,80083.1ndd 19 -20 DEFINRIONS; Accident or Accidental mean, a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily Irijurylksl means bodily Injury which is Accidental, is the direct source of a Loss, Is independent of disease, illness or other cause and occurs while this policy Is In force, Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger foe is charged to an Account Card means the Discover Card, cerdmember means the holder of tine Card whose name appears on the credit card, Company means the Federal Insurance Company, Covered Trip means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Dependent Child or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment, (4) is not legally married or separated and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (el a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a fnandal institution, Neither the Insured Person nor the Domestic Partner can be married to nor in a civil union with, anyone else. Hazard means the covered circumstances for which thls Insurance is Provided as stated In Section It of the Declarations, Hazards, and described in the Hazards fowl, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, lhelr spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Logs of Ufe means death, including clinical death determined by the local governing medical authorities, Policyholdg means DF5 services LLC, the entity responsible for the payment of premium, Scheduled Aircraft means an aircraft owned andtx operated by a Scheduled Mane. Scheduled Airline means anarline which is either of United States registry And certified by the United States government to carry passengers on a - 17 - 1/11/11 9111 Arc regularly scheduled basis or of foreign register and approved by the United Stales government and the appropnate foreign authority, War means hostilities following a declaration of War by a government authority. If there Is no declaration of War, then (t) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: H the Insured Person has not been found within one year of the disappearance, stranding, sinking, wredcing or breakdown of any Scheduled Aircraft or conveyance In which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard, EUG1BILITY: This Insurance plan is provided to Insured Persons automatically Olen the entire cost of the passenger fares) on a Scheduled Airline Is charged to the Cardmember's Account while the insurance Is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your Insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember. Your Insurance coverage under this Insurance plan will cease on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember, COST: This insurance plan Is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the Insurance. THE BENEFICIARY, The Loss of Life benefit Will be paid to the beneficiary designated by you. if no such designation has been made, that benefit wit be paid to the first surviving beneficiary In the following order; a} your spouse; b) your children c) your parents d) you brothers and sisters, e) your estate. All other indemnities will be pald to you. If you wish to change your beneficiary, you may request a beneficlary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc, 13265 Bedford Avenue, Omaha, NE 68164 or at BenefkiaryrequestfTheDirectMG .com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is In, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accdent or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self - inflicted; or (5) dedared or undeclared War. - 1B- 11DGM0 0200KLTL23AG0211_000e3.lndd 21 -22 CLAIM NOTICE: Written daim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this policy or 55 5000 as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice h given as soon as reasonably possible, CLAIM FORMS: When the Company receives notke of a claim, the Company will send you forms for giving proof of Loss to us within 15 days, If you do not receive the forms, you should send the Company a written description of the Loss, CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not irwalidate any otherwise valid claim if notice 1s given as soon as reasonably possible and In no event rater than one year after the deadline to submit complete proof of Loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss is received and if you, the Policyholder and/or the beneficiary have complied with all the terms of the policy, ARBITRATION In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held In the state of the Insured Person's princpal residence. iF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1- 800- CLAIMS-0 (1- 800 - 252. 4670), You can also go to the Company Web site (www.chubb.corn), dick on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fit out and mall, You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1- 800•300.2536 As a handy reference guide, please read this and keep It in a sate place with your other Insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while In effect, Complete policy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Polity 09906.18.05 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 • 19 1/11511 9:41 AM � — DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovers Cardmembers can benefit from the security and safety offered Through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (w 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage, Excess Collision Damage Waiver is an Insurance program, underwntten by Federal Insurance Company Polley 4/9906 -17.63 (the 'Poky). DEFINITIONS: Account means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time ol loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card, Card means the Discover Card. Colston Donne means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hall, water, flood, malicious mbd:leiorvandalism, riot or dvil commotion. Company means the Federal Insurance Company. insured means Cardmembers and authorized users of the Account, oPill ad means DFSSeMces LLC, the entity respons @le for the payment premium. Rental Agency means a commerdal automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means a fair-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account. It Is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account • You muss decline the LoseDamage Waiver offered by the vehicle Rental Amy • You must rent the vehicle in your own name and sign the vehicle rental agreement/contract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured Is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Policyholder as required, and - 20 - 1 1UCMO 02e0I'LTL20AGe211 0OO63.lndd 20.24 subject to all the terms of the Policy, the Company agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's IiaLd ty will be for a maximum reimbursement of $25,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver wit cover ur deductible and any other eligible amounts not covered by other Insurance, • This coverage is not all- inclusive, which means it does not cover such things as personal Injury or personal liability. n does not cover you for any damages to other vehices or property.lt does not cover you for any Injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; truces; recreational vehicles, campers, pickup trucks, and mini- buses; limited edition motor vehkles or high value, exotic, high performance or collector type, High value motor vehicles are motor vehldes whose replacement value exceeds $50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years ur moue, WHERE YOU ARE COVERED; • Coverage applies to vehicles rented anywhere In the world. • Coverage is not available where prohibited by law, WHAT 15 NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent or criminal act of the Insured, • Forgery by the Insured, • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the Influence of any narcotic unless prescribed by a physician, • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile bythe terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure, • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile In tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. • 21• 1/1x/11 9:41 AM { FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of Insurance coverage will not exceed 31 consecutive days, or 45 tonsecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the kourance provided under this plan may be primary if specifically provided for under the terms of this plan and H the following uiteria Is met: (a) the Rented Automobile is rented for use outside the United 5tates, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the insured for business use; and (c) the Rented Automobile is rented without driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must he provided as soon as reasonably possible NYOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALLTHE CLAIMS SERVICE CENTER AT 1.80O-CLAIMS -0 (1 -800- 252.4670), You can also go 10 the Company Web site (www.chubb.com), dick on Report a Loss, sekcl Acddent, Benefits and Life Bairns, select the appropriate form, print out the claim form, fill out and mall, You can file a im by mall or fax, Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327 -4700 Fax Number: 1800 - 300-2538 CLAIM PROCEDURE: The Insured must send the Company written notice 01 a claim, Including the Insured's name and Policy number, within 90 days after a covered loss occurs, R notice cannot be 9lven within that time, It must be given as soon as reasonably possible. lo fide a sworn Proof of Loss, the Insured must send the following information to the Company or its authorzed representative: • A copy of the Account statement showing the automobile rental transaction • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the Initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance cal rierls). • II no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder. Please refer to the Insurance Disclosures section. -22- A 6-2 INSURANCE DISCLOSURES As a handy reference guide, please read thh document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contract of insurance but is simply an informative statement to eligible Insureds of the pdndpal provisions of the insurance while in effect Complete provisions pertaining to this plan of insurance are contained in the master policy an file with DES Services LLC, herein referred to as the Policyholder. If a statement In this Summary of Coverage and any provision in the policy differ, the policy will govern, Policy Underwritten By Plan Administrator Federal insurance Company ( "Company ") The Direct Marketing Group, Inc, a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number: 9906-17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the Insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days In advance. H the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as Is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non - renewal, subject to the terms and condition of coverage, Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U,5, flnandal institutions. The United States is defined as the 50 United States, the District of Columbia, Amerkan Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or dalm for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, Insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits No rights or benefits provided under these Insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void If, at any time, the Insured hes concealed or misrepresented any materiel fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto, Coverage for an Insured will be void it whether before or after a loss, •23- 1111!11 9+11 AM the Policyholder or Its subscribing organization(s) has concealed or misrepresented any material fad or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organizations) relating hereto. Addition of New Insureds: All eligible persons will be automatically Insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or Its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Company, ts employees or representatives in connection with the investigation of any loss or Balm will be deemed a waiver of any defense and such acts shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others; This coverage will in no way Inure directly or indirectly to the benefit of any Insurer, person or organization or other bailee, Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, It will require the Insured to assign and Transfer any claim or right of action against any Individual, firm or corporation for such loss to the Company or subrogate or hold In trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company, Arbitration In the event of a dispute under this policy, either the Company or the insured may make a written demand far arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence, GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits, 11 15 operated by AXA Assistance USA, Inc Visit Dlscovercard.coraltravel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account In good standing. Third -Party Charges. Global Traveler's Hotline is not Insurance, so you - 24 - I11DCM0 _02BOK_TL23A00211_00083.Intld 27.20 will be responsible for all third -party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available In all areas. Call us at t- 800 - DISCOVER (1- 800. 347 -2683) for assistance or If you have questions about a specific destination, Outside the U.S., call us collect at 1 -B01- 902.3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service Is not provided or for any services that are provided by third parties, The services and these terms and conditions are subject to change without notice, - 25 - 1!11711 0:41 AM CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre -Paid, on 1t'day of following: Lawrence V. Young, Esquire CGA Law Firm 135 North George Street York, PA 17401 , 2014 upon the By: ""4l ' �_' �^ William T. Molczan squire PA ID# 47437 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 30196747 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. AMANDA D BEAHM, Defendant. Case No.: 13 -7415 CIVIL ORDER OF COURT AND NOW, to -wit, this day of , 2014, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $11,122.69, and costs. BY THE COURT J. WWR# 30196747 0-;(41 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) -0 -. TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for th' e text Argument Court.) CAPTION OF CASE (entire caption must be stated in full) DISCOVER BANK vs. AMANDA D BEAHM No. 13 -7415 CIVIL Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: William T. Molczan, Esquire, Weltman, Weinberg & Reis, Co. LPA (Name and Address) 436 Seventh Avenue, Suite 1400, Pittsburgh, PA 15219 (b) for defendants: Lawrence V. Young, Esquire, CGA Law Firm (Name and Address) 135 North George Street, York, PA 17401 3. I will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: June 27, 2014 Date: 5 1Z Signature W 'l I I`i am T. MO ICZCk.n Print your name Plaintiff Attorney for INSTRUCTIONS: 1. Original and two copies of aII briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. clitA.4 19.7Sp�l Q� a-4 its49917v . a- ©8o .✓c IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, NO. 13 -7415 -CIVIL Plaintiff, vs. AMANDA D BEAHM, Defendant. TYPE OF PLEADING: PRAECIPE TO WITHDRAW PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD FOR THIS PARTY: William T. Molczan, Esquire PA. LD.#47437 WELTMAN, WEINBERG & REIS CO., L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#: 30196747 o ©-,,1 q< --i r . v� z, IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, NO. 13 -7415 -CIVIL Plaintiff vs. AMANDA D BEAHM, Defendant PRAECIPE TO WITHDRAW PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT At the request of the undersigned attorneys for the Plaintiff, you are directed to withdraw the Plaintiffs Motion for Summary Judgment, which was filed on May 15, 2014, and scheduled for argument on Friday, June 27, 2014, at 9:30 a.m., in Room #4, Listing #11, on the above referenced case number. WELTMAN, WEINBERG & REIS CO., L.P.A. By: William T. Molczan, 1•quire CERTIFICATE OF SERVICE A true and correct copy of the within Praecipe to Withdraw Plaintiffs Motion for Summary Judgment, has been served by U.S. Mail, Postage Pre -Paid, on 2S of T�^c , 20 / L( upon the following: LAWRENCE V. YOUNG, ESQUIRE 135 NORTH GEORGE ST., YORK, PA 17401 By: w WELTMAN, WEINBERG & REIS CO., L.P.A. BY: William T. Molczan I.D. No. 47437 436 7th Ave Ste 1400 Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 30196747 WTM/SJS Attorney for Plaintiff(s) DISCOVER BANK Cumberland County Court of Common Pleas vs. AMANDA D BEAHM No.: 13-7415 CIVIL PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter without prejudice . WELTMAN, WEINBERG & REIS CO., L.P.A. By !/,,( William T. Molczan, Esq Attorney for Plaintiff 1111111111111111111111111!! I i 11111111111111111111111111111111111111111 CD C)